Side-by-side · Q2 2026 data
Security First Bank 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 | Security First Bank | Spirit of America Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 89 (stronger) |
| Capital cushion | 33 | 79 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 52 | 78 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 36th | 87th |
| Total assets | $2.3B | $53.2M |
| Deposits / shares | $2.0B | $46.0M |
| Capital ratio | 8.30% | 12.87% (stronger) |
| Problem loans | 0.17% | 0.01% (stronger) |
| Net charge-offs | -0.01% | -0.02% (stronger) |
| Return on assets | 0.81% | 1.45% (stronger) |
| Loans ÷ deposits | 77.1% | 41.6% (stronger) |
| Uninsured deposits | 20.9% | 1.5% (stronger) |
| Offices | 35 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Security First Bank leads on 0 and Spirit of America Federal Credit Union on 7. 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.