Side-by-side · Q2 2026 data
CIBC National Trust Company 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 | CIBC National Trust Company | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 89 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 87th |
| Total assets | $412.8M | $53.2M |
| Deposits / shares | $550K | $46.0M |
| Capital ratio | 59.61% (stronger) | 12.87% |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 13.72% (stronger) | 1.45% |
| Loans ÷ deposits | 0.0% (stronger) | 41.6% |
| Uninsured deposits | 56.4% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
CIBC National Trust Company has the higher TellerScore (93 vs 89). On the 7 directional measures above (where higher or lower is clearly better), CIBC National Trust Company leads on 5 and Spirit of America Federal Credit Union on 2. 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.