Side-by-side · Q2 2026 data
B.O.N.D. Community Federal Credit Union vs Spirit of America Federal Credit Union
Credit union
B.O.N.D. Community Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | B.O.N.D. Community Federal Credit Union | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 33 | 89 (stronger) |
| Capital cushion | 59 | 79 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 78 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 46 | 100 (stronger) |
| Peer percentile | 2nd | 87th |
| Total assets | $44.1M | $53.2M |
| Deposits / shares | $39.1M | $46.0M |
| Capital ratio | 10.86% | 12.87% (stronger) |
| Problem loans | 3.63% | 0.01% (stronger) |
| Net charge-offs | 2.65% | -0.02% (stronger) |
| Return on assets | -1.74% | 1.45% (stronger) |
| Loans ÷ deposits | 91.5% | 41.6% (stronger) |
| Uninsured deposits | 2.8% | 1.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 33). On the 7 directional measures above (where higher or lower is clearly better), B.O.N.D. Community Federal Credit Union leads on 0 and Spirit of America Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.