Side-by-side · Q2 2026 data
Liberty Federal Credit Union vs Centra Credit Union
Metric by metric
| Measure | Liberty Federal Credit Union | Centra Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 59 | 73 (stronger) |
| Loan quality | 85 (stronger) | 68 |
| Earnings | 78 (stronger) | 68 |
| Funding & liquidity | 60 | 76 (stronger) |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 70th | 70th |
| Total assets | $4.8B | $2.4B |
| Deposits / shares | $3.6B | $2.1B |
| Capital ratio | 10.92% | 12.34% (stronger) |
| Problem loans | 0.45% (stronger) | 0.96% |
| Net charge-offs | 0.08% (stronger) | 0.81% |
| Return on assets | 1.45% (stronger) | 1.21% |
| Loans ÷ deposits | 100.3% | 84.5% (stronger) |
| Uninsured deposits | 13.2% | 13.0% (stronger) |
| Offices | 6 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Liberty Federal Credit Union leads on 3 and Centra Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.