Side-by-side · Q2 2026 data
Northside Federal Credit Union vs Spirit of America Federal Credit Union
Credit union
Northside Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Northside Federal Credit Union | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 71 | 78 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 85th | 87th |
| Total assets | $20.8M | $53.2M |
| Deposits / shares | $16.8M | $46.0M |
| Capital ratio | 18.92% (stronger) | 12.87% |
| Problem loans | 0.54% | 0.01% (stronger) |
| Net charge-offs | 0.81% | -0.02% (stronger) |
| Return on assets | 1.27% | 1.45% (stronger) |
| Loans ÷ deposits | 70.3% | 41.6% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 1.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Northside Federal Credit Union leads on 2 and Spirit of America Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.