Side-by-side · Q2 2026 data
Central Keystone Federal Credit Union vs Spirit Financial Credit Union
Credit union
Central Keystone Federal Credit Union
Sunbury, Pennsylvania · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Central Keystone Federal Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 76 | 86 (stronger) |
| Earnings | 68 (stronger) | 21 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 83rd | 54th |
| Total assets | $63.8M | $67.7M |
| Deposits / shares | $51.3M | $58.3M |
| Capital ratio | 18.82% (stronger) | 13.44% |
| Problem loans | 0.72% | 0.41% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.99% |
| Return on assets | 1.20% (stronger) | 0.03% |
| Loans ÷ deposits | 51.6% (stronger) | 51.7% |
| Uninsured deposits | 6.7% | 6.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Keystone Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central Keystone Federal Credit Union leads on 5 and Spirit Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.