Side-by-side · Q2 2026 data
CerescoBank 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 | CerescoBank | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 89 |
| Capital cushion | 89 (stronger) | 79 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 81 (stronger) | 78 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 87th |
| Total assets | $81.3M | $53.2M |
| Deposits / shares | $69.0M | $46.0M |
| Capital ratio | 13.85% (stronger) | 12.87% |
| Problem loans | 0.06% | 0.01% (stronger) |
| Net charge-offs | 0.04% | -0.02% (stronger) |
| Return on assets | 1.52% (stronger) | 1.45% |
| Loans ÷ deposits | 63.3% | 41.6% (stronger) |
| Uninsured deposits | 13.7% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CerescoBank has the higher TellerScore (92 vs 89). On the 7 directional measures above (where higher or lower is clearly better), CerescoBank leads on 3 and Spirit of America Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.