Spirit of America

LINCOLN, NE · 1 · Charter #24724 · www.spiritofamericafcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$53.5M
4th percentile
Members
3,584
10th percentile
Total loans
$19.5M
3th percentile
Total shares
$46.6M
6th percentile

Profitability

Return on assets
1.49%
77th percentile
Net interest margin
3.89%
64th percentile
Efficiency ratio
64.10%
46th percentile
Non-interest income ratio
8.85%
11th percentile

Capital & Risk

Net worth ratio
12.07%
48th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.02%
99th percentile
Loan-to-share
41.76%
10th percentile

Growth

Member growth YoY
-3.86%
18th percentile
Asset growth YoY
1.02%
27th percentile
Loan growth YoY
-2.77%
27th percentile
Share growth YoY
-0.48%
20th percentile

Operations

Members / branch
3,584
60th percentile
Assets / member
$14,932
55th percentile
Field of membership penetration
19.91%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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