Side-by-side · Q2 2026 data
Spirit of America Federal Credit Union vs Family Focus Federal Credit Union
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Credit union
Family Focus Federal Credit Union
Omaha, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Spirit of America Federal Credit Union | Family Focus Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 50 |
| Capital cushion | 79 | 82 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 78 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 65 |
| Peer percentile | 87th | 9th |
| Total assets | $53.2M | $44.0M |
| Deposits / shares | $46.0M | $38.0M |
| Capital ratio | 12.87% | 13.21% (stronger) |
| Problem loans | 0.01% (stronger) | 3.37% |
| Net charge-offs | -0.02% (stronger) | 0.23% |
| Return on assets | 1.45% (stronger) | 0.35% |
| Loans ÷ deposits | 41.6% (stronger) | 78.8% |
| Uninsured deposits | 1.5% (stronger) | 3.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Spirit of America Federal Credit Union leads on 6 and Family Focus Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.