Side-by-side · Q2 2026 data
American Spirit Federal Credit Union vs Provident Federal Credit Union
Credit union
American Spirit Federal Credit Union
Newark, Delaware · Under $100 million in assets
Metric by metric
| Measure | American Spirit Federal Credit Union | Provident Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 64 (stronger) |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 0 | 42 (stronger) |
| Earnings | 0 | 11 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 12th | 28th |
| Total assets | $67.6M | $11.9M |
| Deposits / shares | $59.2M | $10.2M |
| Capital ratio | 19.12% (stronger) | 14.07% |
| Problem loans | 5.44% | 1.75% (stronger) |
| Net charge-offs | 3.00% | 2.23% (stronger) |
| Return on assets | -1.19% | -0.23% (stronger) |
| Loans ÷ deposits | 33.9% (stronger) | 50.4% |
| Uninsured deposits | 2.0% (stronger) | 4.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Provident Federal Credit Union has the higher TellerScore (64 vs 53). On the 7 directional measures above (where higher or lower is clearly better), American Spirit Federal Credit Union leads on 3 and Provident Federal 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.