Side-by-side · Q2 2026 data
Liberty National Bank vs Energize Credit Union
Metric by metric
| Measure | Liberty National Bank | Energize Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 53 | 88 (stronger) |
| Loan quality | 99 (stronger) | 73 |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 86 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 95th | 44th |
| Total assets | $1.3B | $25.4M |
| Deposits / shares | $1.2B | $21.8M |
| Capital ratio | 10.31% | 13.83% (stronger) |
| Problem loans | 0.02% (stronger) | 0.81% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 2.15% (stronger) | 0.49% |
| Loans ÷ deposits | 74.3% (stronger) | 88.2% |
| Uninsured deposits | 11.7% | 8.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Liberty National Bank has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Liberty National Bank leads on 5 and Energize Credit Union on 2. 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.