Side-by-side · Q2 2026 data
Spirit of Alaska Federal Credit Union vs Credit Union 1
Credit union
Spirit of Alaska Federal Credit Union
Fairbanks, Alaska · $100 million – $1 billion
Metric by metric
| Measure | Spirit of Alaska Federal Credit Union | Credit Union 1 |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 61 | 66 (stronger) |
| Earnings | 48 | 67 (stronger) |
| Funding & liquidity | 99 (stronger) | 64 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 74th | 84th |
| Total assets | $200.5M | $1.7B |
| Deposits / shares | $170.4M | $1.4B |
| Capital ratio | 14.77% | 15.48% (stronger) |
| Problem loans | 1.16% | 1.01% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.60% |
| Return on assets | 0.69% | 1.18% (stronger) |
| Loans ÷ deposits | 61.5% (stronger) | 96.4% |
| Uninsured deposits | 5.1% (stronger) | 10.8% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Spirit of Alaska Federal Credit Union leads on 3 and Credit Union 1 on 3. 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.