Side-by-side · Q2 2026 data
Lincone Federal Credit Union vs Liberty First Credit Union
Metric by metric
| Measure | Lincone Federal Credit Union | Liberty First Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 81 (stronger) | 74 |
| Earnings | 62 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 78th | 89th |
| Total assets | $183.6M | $523.4M |
| Deposits / shares | $157.7M | $437.2M |
| Capital ratio | 12.67% | 15.08% (stronger) |
| Problem loans | 0.58% (stronger) | 0.79% |
| Net charge-offs | 0.71% | 0.26% (stronger) |
| Return on assets | 1.05% | 1.75% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 91.4% |
| Uninsured deposits | 2.8% | 2.2% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 13.0% |
Liberty First Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Lincone Federal Credit Union leads on 2 and Liberty First Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.