Side-by-side · Q2 2026 data
Nspire Federal Credit Union vs U. S. I. Federal Credit Union
Metric by metric
| Measure | Nspire Federal Credit Union | U. S. I. Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 67 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 78 (stronger) | 56 |
| Earnings | 0 | 37 (stronger) |
| Funding & liquidity | 79 (stronger) | 45 |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 32nd | 34th |
| Total assets | $29.0M | $29.4M |
| Deposits / shares | $24.9M | $24.1M |
| Capital ratio | 13.49% | 18.01% (stronger) |
| Problem loans | 0.65% (stronger) | 1.31% |
| Net charge-offs | 1.30% (stronger) | 1.97% |
| Return on assets | -0.66% | 0.42% (stronger) |
| Loans ÷ deposits | 81.4% (stronger) | 99.6% |
| Uninsured deposits | 2.1% (stronger) | 29.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U. S. I. Federal Credit Union has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Nspire Federal Credit Union leads on 4 and U. S. I. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.