Side-by-side · Q2 2026 data
Spirit of America Federal Credit Union vs The Southern Credit Union
Credit union
Spirit of America Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Spirit of America Federal Credit Union | The Southern Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 79 (stronger) | 66 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 78 (stronger) | 37 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 87th | 68th |
| Total assets | $53.2M | $560.2M |
| Deposits / shares | $46.0M | $499.1M |
| Capital ratio | 12.87% (stronger) | 11.60% |
| Problem loans | 0.01% (stronger) | 0.10% |
| Net charge-offs | -0.02% (stronger) | 0.15% |
| Return on assets | 1.45% (stronger) | 0.43% |
| Loans ÷ deposits | 41.6% (stronger) | 42.0% |
| Uninsured deposits | 1.5% (stronger) | 6.3% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit of America Federal Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Spirit of America Federal Credit Union leads on 7 and The Southern Credit Union on 0. 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.