Side-by-side · Q2 2026 data
Consumers Cooperative vs Spirit of America Federal Credit Union
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Consumers Cooperative | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 53 | 100 (stronger) |
| Earnings | 81 (stronger) | 78 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 68th | 87th |
| Total assets | $52.2M | $53.2M |
| Deposits / shares | $41.1M | $46.0M |
| Capital ratio | 20.55% (stronger) | 12.87% |
| Problem loans | 1.41% | 0.01% (stronger) |
| Net charge-offs | 0.27% | -0.02% (stronger) |
| Return on assets | 1.53% (stronger) | 1.45% |
| Loans ÷ deposits | 78.3% | 41.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.5% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Consumers Cooperative leads on 3 and Spirit of America Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.