Side-by-side · Q2 2026 data
Spark Federal Credit Union vs Our Community Credit Union
Metric by metric
| Measure | Spark Federal Credit Union | Our Community Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 77 | 77 |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 24 | 66 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 38th | 82nd |
| Total assets | $30.0M | $638.3M |
| Deposits / shares | $26.0M | $551.8M |
| Capital ratio | 12.70% (stronger) | 12.67% |
| Problem loans | 0.35% (stronger) | 0.48% |
| Net charge-offs | 0.27% (stronger) | 0.70% |
| Return on assets | 0.11% | 1.16% (stronger) |
| Loans ÷ deposits | 91.1% | 40.7% (stronger) |
| Uninsured deposits | 6.2% | 6.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Our Community Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Spark Federal Credit Union leads on 3 and Our Community Credit Union on 4. 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.