Side-by-side · Q2 2026 data
True North Federal Credit Union vs Spirit of Alaska Federal Credit Union
Credit union
Spirit of Alaska Federal Credit Union
Fairbanks, Alaska · $100 million – $1 billion
Metric by metric
| Measure | True North Federal Credit Union | Spirit of Alaska Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 78 (stronger) |
| Capital cushion | 52 | 98 (stronger) |
| Loan quality | 71 (stronger) | 61 |
| Earnings | 28 | 48 (stronger) |
| Funding & liquidity | 69 | 99 (stronger) |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 16th | 74th |
| Total assets | $236.2M | $200.5M |
| Deposits / shares | $209.2M | $170.4M |
| Capital ratio | 10.19% | 14.77% (stronger) |
| Problem loans | 0.87% (stronger) | 1.16% |
| Net charge-offs | 0.82% | 0.11% (stronger) |
| Return on assets | 0.19% | 0.69% (stronger) |
| Loans ÷ deposits | 90.8% | 61.5% (stronger) |
| Uninsured deposits | 6.9% | 5.1% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.5% | — |
Spirit of Alaska Federal Credit Union has the higher TellerScore (78 vs 58). On the 7 directional measures above (where higher or lower is clearly better), True North Federal Credit Union leads on 1 and Spirit of Alaska Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.