Side-by-side · Q2 2026 data
Spirit of America Federal Credit Union vs Lincoln S.D.A. Credit Union
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Credit union
Lincoln S.D.A. Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Spirit of America Federal Credit Union | Lincoln S.D.A. Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 45 |
| Capital cushion | 79 (stronger) | 59 |
| Loan quality | 100 (stronger) | 12 |
| Earnings | 78 (stronger) | 6 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 87th | 5th |
| Total assets | $53.2M | $9.9M |
| Deposits / shares | $46.0M | $8.6M |
| Capital ratio | 12.87% (stronger) | 10.89% |
| Problem loans | 0.01% (stronger) | 2.63% |
| Net charge-offs | -0.02% (stronger) | 0.33% |
| Return on assets | 1.45% (stronger) | -0.34% |
| Loans ÷ deposits | 41.6% (stronger) | 56.6% |
| Uninsured deposits | 1.5% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Spirit of America Federal Credit Union leads on 6 and Lincoln S.D.A. Credit Union on 1. 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.