Side-by-side · Q2 2026 data
Members 1st Credit Union vs Freedom Credit Union
Credit union
Members 1st Credit Union
Brattleboro, Vermont · Under $100 million in assets
Metric by metric
| Measure | Members 1st Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 51 | 66 (stronger) |
| Capital cushion | 44 | 93 (stronger) |
| Loan quality | 31 | 40 (stronger) |
| Earnings | 47 (stronger) | 43 |
| Funding & liquidity | 88 (stronger) | 76 |
| Problem-loan coverage | 71 | 83 (stronger) |
| Peer percentile | 10th | 37th |
| Total assets | $22.9M | $764.0M |
| Deposits / shares | $20.7M | $611.6M |
| Capital ratio | 9.42% | 14.26% (stronger) |
| Problem loans | 2.07% | 1.81% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.05% |
| Return on assets | 0.67% (stronger) | 0.57% |
| Loans ÷ deposits | 72.5% (stronger) | 84.6% |
| Uninsured deposits | 3.7% (stronger) | 10.1% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Credit Union has the higher TellerScore (66 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Members 1st Credit Union leads on 4 and Freedom Credit Union on 3. 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.