Side-by-side · Q2 2026 data
Liberty Capital Bank vs The State Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Liberty Capital Bank | The State Credit Union |
|---|---|---|
| TellerScore | 73 | 90 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 82 (stronger) | 71 |
| Funding & liquidity | 29 | 89 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 53rd | 89th |
| Total assets | $767.9M | $95.3M |
| Deposits / shares | $675.9M | $75.7M |
| Capital ratio | 10.89% | 19.12% (stronger) |
| Problem loans | 0.07% (stronger) | 0.25% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.54% (stronger) | 1.26% |
| Loans ÷ deposits | 91.0% | 71.2% (stronger) |
| Uninsured deposits | 51.3% | 1.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.0% | 0.0% |
The State 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 2 and The State Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.