Side-by-side · Q2 2026 data
First Lincoln Federal Credit Union 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 | First Lincoln Federal Credit Union | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 34 | 89 (stronger) |
| Capital cushion | 48 | 79 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 78 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 46 | 100 (stronger) |
| Peer percentile | 2nd | 87th |
| Total assets | $17.9M | $53.2M |
| Deposits / shares | $16.1M | $46.0M |
| Capital ratio | 9.78% | 12.87% (stronger) |
| Problem loans | 7.36% | 0.01% (stronger) |
| Net charge-offs | 1.53% | -0.02% (stronger) |
| Return on assets | -2.25% | 1.45% (stronger) |
| Loans ÷ deposits | 39.8% (stronger) | 41.6% |
| Uninsured deposits | 4.4% | 1.5% (stronger) |
| 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 34). On the 7 directional measures above (where higher or lower is clearly better), First Lincoln Federal Credit Union leads on 1 and Spirit of America Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.