Side-by-side · Q2 2026 data
Edu Federal Credit Union vs American Spirit Federal Credit Union
Credit union
American Spirit Federal Credit Union
Newark, Delaware · Under $100 million in assets
Metric by metric
| Measure | Edu Federal Credit Union | American Spirit Federal Credit Union |
|---|---|---|
| TellerScore | 34 | 53 (stronger) |
| Capital cushion | 18 | 100 (stronger) |
| Loan quality | 14 (stronger) | 0 |
| Earnings | 18 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 64 | 83 (stronger) |
| Peer percentile | 2nd | 12th |
| Total assets | $44.2M | $67.6M |
| Deposits / shares | $41.2M | $59.2M |
| Capital ratio | 6.81% | 19.12% (stronger) |
| Problem loans | 2.57% (stronger) | 5.44% |
| Net charge-offs | 0.71% (stronger) | 3.00% |
| Return on assets | -0.05% (stronger) | -1.19% |
| Loans ÷ deposits | 51.1% | 33.9% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 2.0% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Spirit Federal Credit Union has the higher TellerScore (53 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Edu Federal Credit Union leads on 4 and American Spirit Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.