Side-by-side · Q2 2026 data
Jefferson Community Federal Credit Union vs Community Spirit Credit Union
Credit union
Jefferson Community Federal Credit Union
Madison, Indiana · Under $100 million in assets
Credit union
Community Spirit Credit Union
Lawrenceburg, Indiana · Under $100 million in assets
Metric by metric
| Measure | Jefferson Community Federal Credit Union | Community Spirit Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 55 |
| Capital cushion | 57 (stronger) | 54 |
| Loan quality | 98 (stronger) | 32 |
| Earnings | 71 (stronger) | 36 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 62nd | 15th |
| Total assets | $18.0M | $21.5M |
| Deposits / shares | $16.0M | $19.1M |
| Capital ratio | 10.69% (stronger) | 10.40% |
| Problem loans | 0.05% (stronger) | 2.03% |
| Net charge-offs | 0.00% (stronger) | 0.43% |
| Return on assets | 1.27% (stronger) | 0.41% |
| Loans ÷ deposits | 73.1% | 52.3% (stronger) |
| Uninsured deposits | 1.8% (stronger) | 6.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jefferson Community Federal Credit Union has the higher TellerScore (79 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Jefferson Community Federal Credit Union leads on 6 and Community Spirit Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.