Side-by-side · Q2 2026 data
Liberty Bank vs Umassfive College Federal Credit Union
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Liberty Bank | Umassfive College Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 58 |
| Capital cushion | 84 (stronger) | 47 |
| Loan quality | 89 (stronger) | 66 |
| Earnings | 72 (stronger) | 41 |
| Funding & liquidity | 47 | 75 (stronger) |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 88th | 16th |
| Total assets | $9.4B | $702.7M |
| Deposits / shares | $7.1B | $632.2M |
| Capital ratio | 13.37% (stronger) | 9.67% |
| Problem loans | 0.32% (stronger) | 1.02% |
| Net charge-offs | 0.18% (stronger) | 0.28% |
| Return on assets | 1.30% (stronger) | 0.52% |
| Loans ÷ deposits | 101.8% | 85.7% (stronger) |
| Uninsured deposits | 25.5% | 4.9% (stronger) |
| Offices | 51 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
Liberty Bank has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 5 and Umassfive College 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.