Side-by-side · Q2 2026 data
Spark Federal Credit Union vs Express Credit Union
Metric by metric
| Measure | Spark Federal Credit Union | Express Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 53 |
| Capital cushion | 77 | 80 (stronger) |
| Loan quality | 88 (stronger) | 35 |
| Earnings | 24 (stronger) | 0 |
| Funding & liquidity | 69 | 80 (stronger) |
| Problem-loan coverage | 91 (stronger) | 79 |
| Peer percentile | 38th | 12th |
| Total assets | $30.0M | $22.6M |
| Deposits / shares | $26.0M | $19.4M |
| Capital ratio | 12.70% | 13.00% (stronger) |
| Problem loans | 0.35% (stronger) | 1.95% |
| Net charge-offs | 0.27% (stronger) | 1.03% |
| Return on assets | 0.11% (stronger) | -3.99% |
| Loans ÷ deposits | 91.1% | 80.0% (stronger) |
| Uninsured deposits | 6.2% | 6.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spark Federal Credit Union has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Spark Federal Credit Union leads on 4 and Express Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.