Side-by-side · Q2 2026 data
Superior Credit Union vs Spirit Financial Credit Union
Credit union
Superior Credit Union
Collegeville, Pennsylvania · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Superior Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 48 | 76 (stronger) |
| Capital cushion | 20 | 84 (stronger) |
| Loan quality | 45 | 86 (stronger) |
| Earnings | 48 (stronger) | 21 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 69 | 97 (stronger) |
| Peer percentile | 7th | 54th |
| Total assets | $65.4M | $67.7M |
| Deposits / shares | $62.3M | $58.3M |
| Capital ratio | 7.03% | 13.44% (stronger) |
| Problem loans | 1.66% | 0.41% (stronger) |
| Net charge-offs | 0.67% (stronger) | 0.99% |
| Return on assets | 0.70% (stronger) | 0.03% |
| Loans ÷ deposits | 67.8% | 51.7% (stronger) |
| Uninsured deposits | 3.1% (stronger) | 6.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spirit Financial Credit Union has the higher TellerScore (76 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Superior 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.