Side-by-side · Q2 2026 data
United Savings Bank vs American Spirit Federal Credit Union
Credit union
American Spirit Federal Credit Union
Newark, Delaware · Under $100 million in assets
Metric by metric
| Measure | United Savings Bank | American Spirit Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 53 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 53 (stronger) | 0 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 94th | 12th |
| Total assets | $460.6M | $67.6M |
| Deposits / shares | $332.1M | $59.2M |
| Capital ratio | 17.44% | 19.12% (stronger) |
| Problem loans | 0.00% (stronger) | 5.44% |
| Net charge-offs | 0.00% (stronger) | 3.00% |
| Return on assets | 0.84% (stronger) | -1.19% |
| Loans ÷ deposits | 52.0% | 33.9% (stronger) |
| Uninsured deposits | 28.0% | 2.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | — |
United Savings Bank has the higher TellerScore (89 vs 53). On the 7 directional measures above (where higher or lower is clearly better), United Savings Bank leads on 4 and American Spirit Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.