Side-by-side · Q2 2026 data
Spirit Financial Credit Union vs Access Credit Union
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Spirit Financial Credit Union | Access Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 84 (stronger) | 68 |
| Loan quality | 86 | 95 (stronger) |
| Earnings | 21 | 45 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 54th | 59th |
| Total assets | $67.7M | $70.3M |
| Deposits / shares | $58.3M | $62.1M |
| Capital ratio | 13.44% (stronger) | 11.75% |
| Problem loans | 0.41% | 0.16% (stronger) |
| Net charge-offs | 0.99% | 0.37% (stronger) |
| Return on assets | 0.03% | 0.61% (stronger) |
| Loans ÷ deposits | 51.7% | 51.0% (stronger) |
| Uninsured deposits | 6.4% | 6.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Access Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Spirit Financial Credit Union leads on 1 and Access Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.