Side-by-side · Q2 2026 data
Citymark Federal Credit Union vs Spojnia Credit Union
Credit union
Citymark Federal Credit Union
Plains, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Citymark Federal Credit Union | Spojnia Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 50 |
| Capital cushion | 100 | 100 |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 83 (stronger) | 0 |
| Funding & liquidity | 86 | 92 (stronger) |
| Problem-loan coverage | 90 (stronger) | 58 |
| Peer percentile | 89th | 9th |
| Total assets | $152.2M | $14.3M |
| Deposits / shares | $127.5M | $12.1M |
| Capital ratio | 16.23% (stronger) | 15.49% |
| Problem loans | 0.88% (stronger) | 8.33% |
| Net charge-offs | 0.57% | 0.00% (stronger) |
| Return on assets | 1.57% (stronger) | -0.63% |
| Loans ÷ deposits | 74.7% | 46.4% (stronger) |
| Uninsured deposits | 12.0% (stronger) | 22.3% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | — |
Citymark Federal Credit Union has the higher TellerScore (86 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Citymark Federal Credit Union leads on 5 and Spojnia 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.