Side-by-side · Q2 2026 data
Ameris Bank vs Spirit of America Federal Credit Union
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Ameris Bank | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 89 (stronger) |
| Capital cushion | 64 | 79 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 69 | 78 (stronger) |
| Funding & liquidity | 28 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 63rd | 87th |
| Total assets | $28.4B | $53.2M |
| Deposits / shares | $22.7B | $46.0M |
| Capital ratio | 11.41% | 12.87% (stronger) |
| Problem loans | 0.57% | 0.01% (stronger) |
| Net charge-offs | 0.20% | -0.02% (stronger) |
| Return on assets | 1.23% | 1.45% (stronger) |
| Loans ÷ deposits | 98.3% | 41.6% (stronger) |
| Uninsured deposits | 45.6% | 1.5% (stronger) |
| Offices | 164 | 2 |
| CFPB complaints (3 yrs) | 271 | — |
| Complaints per $1B deposits | 11.9 | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Ameris Bank leads on 0 and Spirit of America Federal Credit Union on 7. 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.