Side-by-side · Q2 2026 data
VeraBank, National Association vs Freestone Credit Union
Metric by metric
| Measure | VeraBank, National Association | Freestone Credit Union |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 60 (stronger) | 53 |
| Loan quality | 68 | 97 (stronger) |
| Earnings | 84 (stronger) | 41 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 66th | 47th |
| Total assets | $4.6B | $77.3M |
| Deposits / shares | $4.0B | $67.8M |
| Capital ratio | 11.03% (stronger) | 10.32% |
| Problem loans | 0.96% | 0.10% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.14% |
| Return on assets | 1.61% (stronger) | 0.54% |
| Loans ÷ deposits | 68.8% | 55.9% (stronger) |
| Uninsured deposits | 29.0% | 5.7% (stronger) |
| Offices | 42 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freestone Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 3 and Freestone Credit Union on 4. 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.