Side-by-side · Q2 2026 data
Omaha Douglas Federal Credit Union 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 | Omaha Douglas Federal Credit Union | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 82 (stronger) | 79 |
| Loan quality | 37 | 100 (stronger) |
| Earnings | 57 | 78 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 40th | 87th |
| Total assets | $42.9M | $53.2M |
| Deposits / shares | $37.1M | $46.0M |
| Capital ratio | 13.19% (stronger) | 12.87% |
| Problem loans | 1.89% | 0.01% (stronger) |
| Net charge-offs | 0.85% | -0.02% (stronger) |
| Return on assets | 0.93% | 1.45% (stronger) |
| Loans ÷ deposits | 28.6% (stronger) | 41.6% |
| Uninsured deposits | 2.4% | 1.5% (stronger) |
| Offices | 1 | 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 70). On the 7 directional measures above (where higher or lower is clearly better), Omaha Douglas 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.