Side-by-side · Q2 2026 data
Nspire Federal Credit Union vs Members First Credit Union
Metric by metric
| Measure | Nspire Federal Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 78 (stronger) | 65 |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 32nd | 91st |
| Total assets | $29.0M | $183.2M |
| Deposits / shares | $24.9M | $137.2M |
| Capital ratio | 13.49% | 24.01% (stronger) |
| Problem loans | 0.65% (stronger) | 1.04% |
| Net charge-offs | 1.30% | 0.56% (stronger) |
| Return on assets | -0.66% | 1.50% (stronger) |
| Loans ÷ deposits | 81.4% | 49.7% (stronger) |
| Uninsured deposits | 2.1% (stronger) | 10.0% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Nspire Federal Credit Union leads on 2 and Members First Credit Union on 5. 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.