Side-by-side · Q2 2026 data
Liberty Capital Bank vs Safe 1 Credit Union
Metric by metric
| Measure | Liberty Capital Bank | Safe 1 Credit Union |
|---|---|---|
| TellerScore | 73 | 90 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 82 | 90 (stronger) |
| Funding & liquidity | 29 | 68 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 53rd | 98th |
| Total assets | $767.9M | $1.2B |
| Deposits / shares | $675.9M | $963.8M |
| Capital ratio | 10.89% | 16.03% (stronger) |
| Problem loans | 0.07% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 1.54% | 1.74% (stronger) |
| Loans ÷ deposits | 91.0% (stronger) | 92.4% |
| Uninsured deposits | 51.3% | 1.8% (stronger) |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.0% | 12.3% |
Safe 1 Credit Union has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Liberty Capital Bank leads on 3 and Safe 1 Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.