Side-by-side · Q2 2026 data
Sru Federal Credit Union vs Spirit Financial Credit Union
Credit union
Sru Federal Credit Union
Slippery Rock, Pennsylvania · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Sru Federal Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 78 | 84 (stronger) |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 74 (stronger) | 21 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 72nd | 54th |
| Total assets | $67.1M | $67.7M |
| Deposits / shares | $58.4M | $58.3M |
| Capital ratio | 12.78% | 13.44% (stronger) |
| Problem loans | 0.54% | 0.41% (stronger) |
| Net charge-offs | 0.38% (stronger) | 0.99% |
| Return on assets | 1.34% (stronger) | 0.03% |
| Loans ÷ deposits | 64.7% | 51.7% (stronger) |
| Uninsured deposits | 7.1% | 6.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.7% | — |
Sru Federal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Sru Federal Credit Union leads on 3 and Spirit Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.