Side-by-side · Q2 2026 data
Metro City Bank 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 | Metro City Bank | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 61 | 79 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 97 (stronger) | 78 |
| Funding & liquidity | 30 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 70th | 87th |
| Total assets | $4.5B | $53.2M |
| Deposits / shares | $3.5B | $46.0M |
| Capital ratio | 11.08% | 12.87% (stronger) |
| Problem loans | 0.44% | 0.01% (stronger) |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 1.94% (stronger) | 1.45% |
| Loans ÷ deposits | 111.5% | 41.6% (stronger) |
| Uninsured deposits | 32.8% | 1.5% (stronger) |
| Offices | 27 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Metro City Bank 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.