Side-by-side · Q2 2026 data
Polish National Credit Union vs Freedom Credit Union
Metric by metric
| Measure | Polish National Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 66 |
| Capital cushion | 86 | 93 (stronger) |
| Loan quality | 94 (stronger) | 40 |
| Earnings | 41 | 43 (stronger) |
| Funding & liquidity | 56 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 68th | 37th |
| Total assets | $776.9M | $764.0M |
| Deposits / shares | $614.5M | $611.6M |
| Capital ratio | 13.58% | 14.26% (stronger) |
| Problem loans | 0.17% (stronger) | 1.81% |
| Net charge-offs | -0.04% (stronger) | 0.05% |
| Return on assets | 0.52% | 0.57% (stronger) |
| Loans ÷ deposits | 104.4% | 84.6% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 10.1% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Polish National Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Polish National Credit Union leads on 4 and Freedom Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.