Side-by-side · Q2 2026 data
SpiritBank vs United Members Federal Credit Union
Credit union
United Members Federal Credit Union
Tulsa, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | SpiritBank | United Members Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 71 | 95 (stronger) |
| Earnings | 54 (stronger) | 39 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 24th | 83rd |
| Total assets | $912.8M | $10.4M |
| Deposits / shares | $819.2M | $8.5M |
| Capital ratio | 9.30% | 18.62% (stronger) |
| Problem loans | 0.86% | 0.15% (stronger) |
| Net charge-offs | 0.29% (stronger) | 1.30% |
| Return on assets | 0.86% (stronger) | 0.47% |
| Loans ÷ deposits | 73.7% | 36.0% (stronger) |
| Uninsured deposits | 14.6% | 4.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
United Members Federal Credit Union has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), SpiritBank leads on 2 and United Members Federal Credit Union on 5. 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.