Side-by-side · Q2 2026 data
Cincinnati Interagency Federal Credit Union vs Community Spirit Credit Union
Credit union
Cincinnati Interagency Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Credit union
Community Spirit Credit Union
Lawrenceburg, Indiana · Under $100 million in assets
Metric by metric
| Measure | Cincinnati Interagency Federal Credit Union | Community Spirit Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 73 (stronger) | 32 |
| Earnings | 98 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 82 |
| Peer percentile | 92nd | 15th |
| Total assets | $30.8M | $21.5M |
| Deposits / shares | $24.9M | $19.1M |
| Capital ratio | 18.24% (stronger) | 10.40% |
| Problem loans | 0.82% (stronger) | 2.03% |
| Net charge-offs | 0.56% | 0.43% (stronger) |
| Return on assets | 1.96% (stronger) | 0.41% |
| Loans ÷ deposits | 49.5% (stronger) | 52.3% |
| Uninsured deposits | 2.1% (stronger) | 6.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cincinnati Interagency Federal Credit Union has the higher TellerScore (92 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Cincinnati Interagency Federal Credit Union leads on 6 and Community Spirit Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.