Side-by-side · Q2 2026 data
Spirit Financial Credit Union vs New Jersey Law and Public Safety Credit Union
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Credit union
New Jersey Law and Public Safety Credit Union
Trenton, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Spirit Financial Credit Union | New Jersey Law and Public Safety Credit Union |
|---|---|---|
| TellerScore | 76 | 93 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 21 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 54th | 94th |
| Total assets | $67.7M | $63.9M |
| Deposits / shares | $58.3M | $51.2M |
| Capital ratio | 13.44% | 19.65% (stronger) |
| Problem loans | 0.41% | 0.31% (stronger) |
| Net charge-offs | 0.99% | 0.22% (stronger) |
| Return on assets | 0.03% | 1.74% (stronger) |
| Loans ÷ deposits | 51.7% (stronger) | 76.9% |
| Uninsured deposits | 6.4% | 3.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
New Jersey Law and Public Safety Credit Union has the higher TellerScore (93 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Spirit Financial Credit Union leads on 1 and New Jersey Law and Public Safety Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.