Side-by-side · Q2 2026 data
Polish National Credit Union vs Liberty Bay Credit Union
Metric by metric
| Measure | Polish National Credit Union | Liberty Bay Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 41 | 41 |
| Funding & liquidity | 56 (stronger) | 46 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 68th | 74th |
| Total assets | $776.9M | $827.4M |
| Deposits / shares | $614.5M | $591.3M |
| Capital ratio | 13.58% | 15.06% (stronger) |
| Problem loans | 0.17% (stronger) | 0.24% |
| Net charge-offs | -0.04% (stronger) | 0.04% |
| Return on assets | 0.52% | 0.53% (stronger) |
| Loans ÷ deposits | 104.4% (stronger) | 108.9% |
| Uninsured deposits | 8.3% (stronger) | 19.7% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 6.0% |
Liberty Bay Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Polish National Credit Union leads on 4 and Liberty Bay Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.