Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Liberty Federal Credit Union
Metric by metric
| Measure | The First National Bank of Carmi | Liberty Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 88 (stronger) | 85 |
| Earnings | 68 | 78 (stronger) |
| Funding & liquidity | 68 (stronger) | 60 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 61st | 70th |
| Total assets | $622.2M | $4.8B |
| Deposits / shares | $545.5M | $3.6B |
| Capital ratio | 11.42% (stronger) | 10.92% |
| Problem loans | 0.35% (stronger) | 0.45% |
| Net charge-offs | -0.15% (stronger) | 0.08% |
| Return on assets | 1.19% | 1.45% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 100.3% |
| Uninsured deposits | 28.5% | 13.2% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
The First National Bank of Carmi has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 5 and Liberty Federal Credit Union on 2. 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.
Where both have branches
- Evansville, IN
- Mount Vernon, IN
- Vincennes, IN