Spirit of Alaska

Fairbanks, AK · 1 · Charter #13583 · www.spiritofak.com
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
$199.7M
89th percentile
Members
9,359
64th percentile
Total loans
$100.8M
76th percentile
Total shares
$169.9M
89th percentile

Profitability

Return on assets
0.92%
43th percentile
Net interest margin
4.21%
80th percentile
Efficiency ratio
74.93%
14th percentile
Non-interest income ratio
14.83%
38th percentile

Capital & Risk

Net worth ratio
14.48%
73th percentile
Delinquency rate
0.38%
74th percentile
Net charge-off rate
0.15%
75th percentile
Loan-to-share
59.31%
34th percentile

Growth

Member growth YoY
0.00%
58th percentile
Asset growth YoY
3.13%
43th percentile
Loan growth YoY
-12.58%
3th percentile
Share growth YoY
2.65%
43th percentile

Operations

Members / branch
2,340
31th percentile
Assets / member
$21,342
88th percentile
Field of membership penetration
6.80%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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