Side-by-side · Q2 2026 data
Police & Fire Federal Credit Union vs Spirit Financial Credit Union
Credit union
Police & Fire Federal Credit Union
Philadelphia, Pennsylvania · Over $10 billion
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Police & Fire Federal Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 98 (stronger) | 21 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 100th | 54th |
| Total assets | $10.2B | $67.7M |
| Deposits / shares | $8.3B | $58.3M |
| Capital ratio | 18.56% (stronger) | 13.44% |
| Problem loans | 0.24% (stronger) | 0.41% |
| Net charge-offs | 0.33% (stronger) | 0.99% |
| Return on assets | 1.95% (stronger) | 0.03% |
| Loans ÷ deposits | 68.9% | 51.7% (stronger) |
| Uninsured deposits | 9.1% | 6.4% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Police & Fire Federal Credit Union has the higher TellerScore (96 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Police & Fire Federal Credit Union leads on 5 and Spirit Financial Credit Union on 2. 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.