Side-by-side · Q2 2026 data
Liberty Bank, National Association vs Santa Cruz Community Credit Union
Credit union
Santa Cruz Community Credit Union
Santa Cruz, California · $100 million – $1 billion
Metric by metric
| Measure | Liberty Bank, National Association | Santa Cruz Community Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 57 |
| Capital cushion | 94 (stronger) | 56 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 2 (stronger) | 0 |
| Funding & liquidity | 55 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 50th | 14th |
| Total assets | $399.2M | $172.1M |
| Deposits / shares | $336.3M | $148.7M |
| Capital ratio | 14.44% (stronger) | 10.56% |
| Problem loans | 0.00% (stronger) | 0.52% |
| Net charge-offs | -0.01% (stronger) | 0.66% |
| Return on assets | -0.44% (stronger) | -1.00% |
| Loans ÷ deposits | 96.8% | 93.5% (stronger) |
| Uninsured deposits | 22.2% | 10.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty Bank, National Association has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank, National Association leads on 5 and Santa Cruz Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.