Side-by-side · Q2 2026 data
Transit Workers Federal Credit Union vs Spojnia Credit Union
Credit union
Transit Workers Federal Credit Union
Philadelphia, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Transit Workers Federal Credit Union | Spojnia Credit Union |
|---|---|---|
| TellerScore | 47 | 50 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 33 (stronger) | 0 |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 86 (stronger) | 58 |
| Peer percentile | 7th | 9th |
| Total assets | $14.6M | $14.3M |
| Deposits / shares | $13.1M | $12.1M |
| Capital ratio | 9.87% | 15.49% (stronger) |
| Problem loans | 2.00% (stronger) | 8.33% |
| Net charge-offs | 3.53% | 0.00% (stronger) |
| Return on assets | -1.93% | -0.63% (stronger) |
| Loans ÷ deposits | 38.4% (stronger) | 46.4% |
| Uninsured deposits | 1.4% (stronger) | 22.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spojnia Credit Union has the higher TellerScore (50 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Transit Workers Federal Credit Union leads on 3 and Spojnia Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.