Side-by-side · Q2 2026 data
Toledo Fire Fighters Federal Credit Union vs Spirit Financial Credit Union
Credit union
Toledo Fire Fighters Federal Credit Union
Toledo, Ohio · Under $100 million in assets
Credit union
Spirit Financial Credit Union
Levittown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Toledo Fire Fighters Federal Credit Union | Spirit Financial Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 90 (stronger) | 21 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 96th | 54th |
| Total assets | $45.5M | $67.7M |
| Deposits / shares | $37.4M | $58.3M |
| Capital ratio | 17.84% (stronger) | 13.44% |
| Problem loans | 0.34% (stronger) | 0.41% |
| Net charge-offs | 0.58% (stronger) | 0.99% |
| Return on assets | 1.75% (stronger) | 0.03% |
| Loans ÷ deposits | 50.6% (stronger) | 51.7% |
| Uninsured deposits | 0.2% (stronger) | 6.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toledo Fire Fighters Federal Credit Union has the higher TellerScore (95 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Toledo Fire Fighters Federal Credit Union leads on 7 and Spirit Financial Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.