Side-by-side · Q2 2026 data
Liberty Savings Bank, F.S.B. vs Union Savings Bank
Metric by metric
| Measure | Liberty Savings Bank, F.S.B. | Union Savings Bank |
|---|---|---|
| TellerScore | 52 | 74 (stronger) |
| Capital cushion | 46 | 55 (stronger) |
| Loan quality | 53 | 77 (stronger) |
| Earnings | 35 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 61 |
| Problem-loan coverage | 74 | 88 (stronger) |
| Peer percentile | 9th | 74th |
| Total assets | $1.1B | $4.0B |
| Deposits / shares | $961.3M | $3.5B |
| Capital ratio | 9.61% | 10.51% (stronger) |
| Problem loans | 1.42% | 0.70% (stronger) |
| Net charge-offs | 0.21% | -0.01% (stronger) |
| Return on assets | 0.36% | 2.01% (stronger) |
| Loans ÷ deposits | 80.4% (stronger) | 99.7% |
| Uninsured deposits | 23.2% | 13.4% (stronger) |
| Offices | 6 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Liberty Savings Bank, F.S.B. leads on 1 and Union Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.