Side-by-side · Q2 2026 data
Liberty Bank vs Universal Federal Credit Union
Credit union
Universal Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Liberty Bank | Universal Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 74 | 85 (stronger) |
| Earnings | 47 (stronger) | 38 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 70th | 59th |
| Total assets | $55.7M | $99.5M |
| Deposits / shares | $46.2M | $85.6M |
| Capital ratio | 17.96% (stronger) | 13.03% |
| Problem loans | 0.77% | 0.46% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.69% (stronger) | 0.45% |
| Loans ÷ deposits | 59.5% | 30.3% (stronger) |
| Uninsured deposits | 17.5% | 4.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
Liberty Bank has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 3 and Universal Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.