Side-by-side · Q2 2026 data
Spirit of Alaska Federal Credit Union vs Northern Skies Federal Credit Union
Credit union
Spirit of Alaska Federal Credit Union
Fairbanks, Alaska · $100 million – $1 billion
Metric by metric
| Measure | Spirit of Alaska Federal Credit Union | Northern Skies Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 98 (stronger) | 83 |
| Loan quality | 61 | 64 (stronger) |
| Earnings | 48 | 66 (stronger) |
| Funding & liquidity | 99 (stronger) | 67 |
| Problem-loan coverage | 92 (stronger) | 86 |
| Peer percentile | 74th | 60th |
| Total assets | $200.5M | $231.7M |
| Deposits / shares | $170.4M | $197.7M |
| Capital ratio | 14.77% (stronger) | 13.27% |
| Problem loans | 1.16% | 1.07% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.57% |
| Return on assets | 0.69% | 1.14% (stronger) |
| Loans ÷ deposits | 61.5% (stronger) | 90.5% |
| Uninsured deposits | 5.1% (stronger) | 17.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of Alaska Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Spirit of Alaska Federal Credit Union leads on 5 and Northern Skies Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.