Side-by-side · Q2 2026 data
Farmers and Merchants Bank of Ashland 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 | Farmers and Merchants Bank of Ashland | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 50 | 79 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 73 | 78 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 47th | 87th |
| Total assets | $152.2M | $53.2M |
| Deposits / shares | $128.0M | $46.0M |
| Capital ratio | 10.00% | 12.87% (stronger) |
| Problem loans | 0.42% | 0.01% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.33% | 1.45% (stronger) |
| Loans ÷ deposits | 89.4% | 41.6% (stronger) |
| Uninsured deposits | 13.0% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of Ashland leads on 0 and Spirit of America Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.