Side-by-side · Q2 2026 data
Kemba Roanoke Federal Credit Union vs Freedom First Federal Credit Union
Metric by metric
| Measure | Kemba Roanoke Federal Credit Union | Freedom First Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 75 | 84 (stronger) |
| Earnings | 44 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 70th | 36th |
| Total assets | $76.7M | $1.3B |
| Deposits / shares | $65.0M | $1.0B |
| Capital ratio | 16.37% (stronger) | 10.89% |
| Problem loans | 0.74% | 0.48% (stronger) |
| Net charge-offs | 0.78% | 0.16% (stronger) |
| Return on assets | 0.60% (stronger) | 0.55% |
| Loans ÷ deposits | 36.5% (stronger) | 106.5% |
| Uninsured deposits | 2.2% (stronger) | 18.3% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.2% |
Kemba Roanoke Federal Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Kemba Roanoke Federal Credit Union leads on 5 and Freedom First Federal Credit Union on 2. 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.