Side-by-side · Q2 2026 data
Liberty Bank vs Winsouth Credit Union
Metric by metric
| Measure | Liberty Bank | Winsouth Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 68 |
| Capital cushion | 63 (stronger) | 54 |
| Loan quality | 95 (stronger) | 78 |
| Earnings | 88 (stronger) | 50 |
| Funding & liquidity | 74 | 91 (stronger) |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 80th | 45th |
| Total assets | $258.6M | $479.4M |
| Deposits / shares | $229.9M | $438.7M |
| Capital ratio | 11.30% (stronger) | 10.41% |
| Problem loans | 0.15% (stronger) | 0.65% |
| Net charge-offs | 0.04% (stronger) | 0.62% |
| Return on assets | 1.69% (stronger) | 0.74% |
| Loans ÷ deposits | 79.3% | 69.6% (stronger) |
| Uninsured deposits | 21.0% | 8.2% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 39.4% |
Liberty Bank has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 5 and Winsouth Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.