Side-by-side · Q2 2026 data
Eagle One Federal Credit Union vs American Spirit Federal Credit Union
Credit union
Eagle One Federal Credit Union
Claymont, Delaware · Under $100 million in assets
Credit union
American Spirit Federal Credit Union
Newark, Delaware · Under $100 million in assets
Metric by metric
| Measure | Eagle One Federal Credit Union | American Spirit Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 53 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 34 (stronger) | 0 |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 58 | 83 (stronger) |
| Peer percentile | 4th | 12th |
| Total assets | $90.4M | $67.6M |
| Deposits / shares | $79.9M | $59.2M |
| Capital ratio | 10.47% | 19.12% (stronger) |
| Problem loans | 3.66% (stronger) | 5.44% |
| Net charge-offs | 1.63% (stronger) | 3.00% |
| Return on assets | 0.35% (stronger) | -1.19% |
| Loans ÷ deposits | 61.3% | 33.9% (stronger) |
| Uninsured deposits | 2.4% | 2.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 50.0% | — |
American Spirit Federal Credit Union has the higher TellerScore (53 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Eagle One Federal Credit Union leads on 3 and American Spirit Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.