Side-by-side · Q2 2026 data
Liberty Bank vs United Community Credit Union
Metric by metric
| Measure | Liberty Bank | United Community Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 87 (stronger) | 62 |
| Funding & liquidity | 90 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 90th | 86th |
| Total assets | $193.9M | $134.1M |
| Deposits / shares | $167.4M | $113.2M |
| Capital ratio | 12.21% | 15.41% (stronger) |
| Problem loans | 0.14% (stronger) | 0.40% |
| Net charge-offs | 0.02% (stronger) | 0.38% |
| Return on assets | 1.67% (stronger) | 1.05% |
| Loans ÷ deposits | 70.5% (stronger) | 89.4% |
| Uninsured deposits | 10.1% | 2.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 5 and United Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.