Side-by-side · Q2 2026 data
Sound Banking Company vs Spark Federal Credit Union
Metric by metric
| Measure | Sound Banking Company | Spark Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 69 |
| Capital cushion | 71 | 77 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 39 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 70th | 38th |
| Total assets | $45.2M | $30.0M |
| Deposits / shares | $39.6M | $26.0M |
| Capital ratio | 12.08% | 12.70% (stronger) |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | 0.07% (stronger) | 0.27% |
| Return on assets | 2.52% (stronger) | 0.11% |
| Loans ÷ deposits | 96.6% | 91.1% (stronger) |
| Uninsured deposits | 37.4% | 6.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sound Banking Company has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sound Banking Company leads on 4 and Spark Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.