Side-by-side · Q2 2026 data
Liberty Federal Credit Union vs Elements Financial Federal Credit Union
Credit union
Elements Financial Federal Credit Union
Indianapolis, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Liberty Federal Credit Union | Elements Financial Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 59 | 69 (stronger) |
| Loan quality | 85 | 85 |
| Earnings | 78 (stronger) | 76 |
| Funding & liquidity | 60 | 69 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 70th | 82nd |
| Total assets | $4.8B | $2.5B |
| Deposits / shares | $3.6B | $2.0B |
| Capital ratio | 10.92% | 11.92% (stronger) |
| Problem loans | 0.45% (stronger) | 0.46% |
| Net charge-offs | 0.08% (stronger) | 0.21% |
| Return on assets | 1.45% (stronger) | 1.40% |
| Loans ÷ deposits | 100.3% | 85.3% (stronger) |
| Uninsured deposits | 13.2% (stronger) | 20.5% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.7% |
Elements Financial Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Liberty Federal Credit Union leads on 4 and Elements Financial Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.