Side-by-side · Q2 2026 data
Lincoln FSB of Nebraska 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 | Lincoln FSB of Nebraska | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 89 (stronger) |
| Capital cushion | 67 | 79 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 35 | 78 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 40th | 87th |
| Total assets | $387.3M | $53.2M |
| Deposits / shares | $326.5M | $46.0M |
| Capital ratio | 11.70% | 12.87% (stronger) |
| Problem loans | 0.46% | 0.01% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.02% |
| Return on assets | 0.38% | 1.45% (stronger) |
| Loans ÷ deposits | 86.2% | 41.6% (stronger) |
| Uninsured deposits | 8.3% | 1.5% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Lincoln FSB of Nebraska leads on 1 and Spirit of America Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.