Side-by-side · Q2 2026 data
Lm Federal Credit Union vs Freedom of Maryland Federal Credit Union
Credit union
Freedom of Maryland Federal Credit Union
Bel Air, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Lm Federal Credit Union | Freedom of Maryland Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 51 |
| Capital cushion | 74 (stronger) | 37 |
| Loan quality | 95 (stronger) | 48 |
| Earnings | 76 (stronger) | 47 |
| Funding & liquidity | 80 (stronger) | 74 |
| Problem-loan coverage | 98 (stronger) | 73 |
| Peer percentile | 72nd | 7th |
| Total assets | $60.3M | $557.4M |
| Deposits / shares | $52.5M | $495.0M |
| Capital ratio | 12.40% (stronger) | 8.66% |
| Problem loans | 0.14% (stronger) | 1.55% |
| Net charge-offs | 0.07% (stronger) | 0.55% |
| Return on assets | 1.41% (stronger) | 0.68% |
| Loans ÷ deposits | 80.4% (stronger) | 86.3% |
| Uninsured deposits | 6.7% | 5.2% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
Lm Federal Credit Union has the higher TellerScore (83 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Lm Federal Credit Union leads on 6 and Freedom of Maryland Federal Credit Union on 1. 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.