Side-by-side · Q2 2026 data
Community Spirit Bank vs Northeast Mississippi Federal Credit Union
Credit union
Northeast Mississippi Federal Credit Union
Amory, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Community Spirit Bank | Northeast Mississippi Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 56 |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 75 (stronger) | 63 |
| Funding & liquidity | 84 (stronger) | 60 |
| Problem-loan coverage | 99 (stronger) | 45 |
| Peer percentile | 68th | 16th |
| Total assets | $228.8M | $6.8M |
| Deposits / shares | $205.7M | $5.8M |
| Capital ratio | 9.73% | 15.00% (stronger) |
| Problem loans | 0.00% (stronger) | 5.21% |
| Net charge-offs | 0.34% (stronger) | 1.09% |
| Return on assets | 1.39% (stronger) | 1.07% |
| Loans ÷ deposits | 72.5% (stronger) | 100.3% |
| Uninsured deposits | 18.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Spirit Bank has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 5 and Northeast Mississippi 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.