Side-by-side · Q2 2026 data
Community Spirit Bank vs N. Mississippi Health Services Emp. Federal Credit Union
Credit union
N. Mississippi Health Services Emp. Federal Credit Union
Tupelo, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Community Spirit Bank | N. Mississippi Health Services Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 97 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 75 | 85 (stronger) |
| Funding & liquidity | 84 | 98 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 68th | 98th |
| Total assets | $228.8M | $14.0M |
| Deposits / shares | $205.7M | $11.1M |
| Capital ratio | 9.73% | 20.95% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.34% | 0.11% (stronger) |
| Return on assets | 1.39% | 1.63% (stronger) |
| Loans ÷ deposits | 72.5% | 62.2% (stronger) |
| Uninsured deposits | 18.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
N. Mississippi Health Services Emp. Federal Credit Union has the higher TellerScore (97 vs 77). On the 6 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 0 and N. Mississippi Health Services Emp. Federal Credit Union on 6. 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.