Side-by-side · Q2 2026 data
Community Spirit Credit Union vs Martin County Cooperative
Credit union
Community Spirit Credit Union
Lawrenceburg, Indiana · Under $100 million in assets
Metric by metric
| Measure | Community Spirit Credit Union | Martin County Cooperative |
|---|---|---|
| TellerScore | 55 | 67 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 32 (stronger) | 9 |
| Earnings | 36 | 89 (stronger) |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 82 (stronger) | 73 |
| Peer percentile | 15th | 34th |
| Total assets | $21.5M | $24.6M |
| Deposits / shares | $19.1M | $20.5M |
| Capital ratio | 10.40% | 16.62% (stronger) |
| Problem loans | 2.03% (stronger) | 2.74% |
| Net charge-offs | 0.43% | 0.05% (stronger) |
| Return on assets | 0.41% | 1.71% (stronger) |
| Loans ÷ deposits | 52.3% (stronger) | 98.5% |
| Uninsured deposits | 6.4% (stronger) | 8.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Martin County Cooperative has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Credit Union leads on 3 and Martin County Cooperative on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.