Side-by-side · Q2 2026 data
The Philadelphia Trust Company vs Spirit Financial Credit Union
Bank
The Philadelphia Trust Company
Philadelphia, Pennsylvania · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Philadelphia Trust Company | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 94th | 54th |
| Total assets | $27.7M | $67.7M |
| Deposits / shares | $6.0M | $58.3M |
| Capital ratio | 71.82% (stronger) | 13.44% |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | 0.00% (stronger) | 0.99% |
| Return on assets | 14.18% (stronger) | 0.03% |
| Loans ÷ deposits | 105.7% | 51.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Philadelphia Trust Company has the higher TellerScore (93 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Philadelphia Trust Company leads on 6 and Spirit Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.