Side-by-side · Q2 2026 data
Liberty County Teachers Federal Credit Union vs Common Cents Federal Credit Union
Credit union
Liberty County Teachers Federal Credit Union
Liberty, Texas · Under $100 million in assets
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Liberty County Teachers Federal Credit Union | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 98th | 83rd |
| Total assets | $23.8M | $34.2M |
| Deposits / shares | $19.5M | $30.0M |
| Capital ratio | 17.13% (stronger) | 12.13% |
| Problem loans | 0.03% (stronger) | 0.30% |
| Net charge-offs | 0.18% (stronger) | 0.66% |
| Return on assets | 2.15% | 2.37% (stronger) |
| Loans ÷ deposits | 80.7% | 73.0% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 1.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty County Teachers Federal Credit Union has the higher TellerScore (97 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Liberty County Teachers Federal Credit Union leads on 5 and Common Cents Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.