Side-by-side · Q2 2026 data
Liberty Bank vs Emblem Credit Union
Metric by metric
| Measure | Liberty Bank | Emblem Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 72 |
| Capital cushion | 63 | 63 |
| Loan quality | 95 (stronger) | 79 |
| Earnings | 88 (stronger) | 66 |
| Funding & liquidity | 74 | 74 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 80th | 57th |
| Total assets | $258.6M | $627.6M |
| Deposits / shares | $229.9M | $558.3M |
| Capital ratio | 11.30% (stronger) | 11.29% |
| Problem loans | 0.15% (stronger) | 0.63% |
| Net charge-offs | 0.04% (stronger) | 0.23% |
| Return on assets | 1.69% (stronger) | 1.15% |
| Loans ÷ deposits | 79.3% (stronger) | 86.0% |
| Uninsured deposits | 21.0% | 11.0% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 28.7% |
Liberty Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 6 and Emblem Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.