Side-by-side · Q2 2026 data
Freedom Credit Union vs Liberty Bay Credit Union
Metric by metric
| Measure | Freedom Credit Union | Liberty Bay Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 40 | 92 (stronger) |
| Earnings | 43 (stronger) | 41 |
| Funding & liquidity | 76 (stronger) | 46 |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 37th | 74th |
| Total assets | $764.0M | $827.4M |
| Deposits / shares | $611.6M | $591.3M |
| Capital ratio | 14.26% | 15.06% (stronger) |
| Problem loans | 1.81% | 0.24% (stronger) |
| Net charge-offs | 0.05% | 0.04% (stronger) |
| Return on assets | 0.57% (stronger) | 0.53% |
| Loans ÷ deposits | 84.6% (stronger) | 108.9% |
| Uninsured deposits | 10.1% (stronger) | 19.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Liberty Bay Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Freedom Credit Union leads on 3 and Liberty Bay Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.