Side-by-side · Q2 2026 data
Morrisons Cove 1st Federal Credit Union vs Spirit Financial Credit Union
Credit union
Morrisons Cove 1st Federal Credit Union
Roaring Spring, Pennsylvania · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Morrisons Cove 1st Federal Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 57 | 84 (stronger) |
| Loan quality | 78 | 86 (stronger) |
| Earnings | 76 (stronger) | 21 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 54th | 54th |
| Total assets | $61.9M | $67.7M |
| Deposits / shares | $55.1M | $58.3M |
| Capital ratio | 10.67% | 13.44% (stronger) |
| Problem loans | 0.67% | 0.41% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.99% |
| Return on assets | 1.39% (stronger) | 0.03% |
| Loans ÷ deposits | 39.1% (stronger) | 51.7% |
| Uninsured deposits | 2.7% (stronger) | 6.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Morrisons Cove 1st Federal Credit Union leads on 4 and Spirit Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.