Side-by-side · Q2 2026 data
Independence Bank vs 1st Liberty Federal Credit Union
Metric by metric
| Measure | Independence Bank | 1st Liberty Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 84 | 94 (stronger) |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 97 (stronger) | 40 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 95th | 86th |
| Total assets | $1.4B | $214.2M |
| Deposits / shares | $1.2B | $182.4M |
| Capital ratio | 13.39% | 14.43% (stronger) |
| Problem loans | 0.46% | 0.28% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 1.93% (stronger) | 0.49% |
| Loans ÷ deposits | 91.1% | 51.3% (stronger) |
| Uninsured deposits | 28.2% | 4.1% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Independence Bank leads on 2 and 1st Liberty Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Great Falls, MT
- Shelby, MT