Side-by-side · Q2 2026 data
Kellogg Midwest Federal Credit Union vs Spirit of America Federal Credit Union
Credit union
Kellogg Midwest Federal Credit Union
LaVista, Nebraska · Under $100 million in assets
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Kellogg Midwest Federal Credit Union | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 59 | 100 (stronger) |
| Earnings | 12 | 78 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 40th | 87th |
| Total assets | $56.4M | $53.2M |
| Deposits / shares | $43.7M | $46.0M |
| Capital ratio | 21.48% (stronger) | 12.87% |
| Problem loans | 1.23% | 0.01% (stronger) |
| Net charge-offs | 0.24% | -0.02% (stronger) |
| Return on assets | -0.21% | 1.45% (stronger) |
| Loans ÷ deposits | 70.9% | 41.6% (stronger) |
| Uninsured deposits | 6.2% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.1% | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Kellogg Midwest 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.