Side-by-side · Q2 2026 data
Friendly Federal Credit Union vs Spirit Financial Credit Union
Credit union
Friendly Federal Credit Union
Aliquippa, Pennsylvania · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Friendly Federal Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 63 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 51 (stronger) | 21 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 26th | 54th |
| Total assets | $69.1M | $67.7M |
| Deposits / shares | $57.4M | $58.3M |
| Capital ratio | 16.96% (stronger) | 13.44% |
| Problem loans | 4.66% | 0.41% (stronger) |
| Net charge-offs | 0.59% (stronger) | 0.99% |
| Return on assets | 0.77% (stronger) | 0.03% |
| Loans ÷ deposits | 50.4% (stronger) | 51.7% |
| Uninsured deposits | 4.2% (stronger) | 6.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit Financial Credit Union has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Friendly Federal Credit Union leads on 5 and Spirit Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.