Side-by-side · Q2 2026 data
Liberty Bank, National Association vs Bay Federal Credit Union
Metric by metric
| Measure | Liberty Bank, National Association | Bay Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 94 (stronger) | 49 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 2 | 55 (stronger) |
| Funding & liquidity | 55 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 50th | 62nd |
| Total assets | $399.2M | $1.9B |
| Deposits / shares | $336.3M | $1.7B |
| Capital ratio | 14.44% (stronger) | 9.85% |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | -0.01% (stronger) | 0.40% |
| Return on assets | -0.44% | 0.86% (stronger) |
| Loans ÷ deposits | 96.8% | 70.5% (stronger) |
| Uninsured deposits | 22.2% | 8.2% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank, National Association has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank, National Association leads on 4 and Bay Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.