Side-by-side · Q2 2026 data
Liberty Bank vs Waterbury Connecticut Teachers Federal Credit Union
Credit union
Waterbury Connecticut Teachers Federal Credit Union
Waterbury, Connecticut · $100 million – $1 billion
Metric by metric
| Measure | Liberty Bank | Waterbury Connecticut Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 91 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 72 | 85 (stronger) |
| Funding & liquidity | 47 | 79 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 88th | 96th |
| Total assets | $9.4B | $365.2M |
| Deposits / shares | $7.1B | $300.7M |
| Capital ratio | 13.37% | 17.05% (stronger) |
| Problem loans | 0.32% | 0.26% (stronger) |
| Net charge-offs | 0.18% | 0.11% (stronger) |
| Return on assets | 1.30% | 1.62% (stronger) |
| Loans ÷ deposits | 101.8% | 81.3% (stronger) |
| Uninsured deposits | 25.5% | 8.3% (stronger) |
| Offices | 51 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
Waterbury Connecticut Teachers Federal Credit Union has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 0 and Waterbury Connecticut Teachers Federal Credit Union on 7. 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.