American Spirit

NEWARK, DE · 1 · Charter #15426 · www.americanspirit.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
$70.7M
22th percentile
Members
12,117
80th percentile
Total loans
$23.2M
7th percentile
Total shares
$50.7M
12th percentile

Profitability

Return on assets
0.61%
23th percentile
Net interest margin
2.98%
17th percentile
Efficiency ratio
69.07%
29th percentile
Non-interest income ratio
26.31%
87th percentile

Capital & Risk

Net worth ratio
18.83%
91th percentile
Delinquency rate
4.02%
2th percentile
Net charge-off rate
1.25%
7th percentile
Loan-to-share
45.74%
15th percentile

Growth

Member growth YoY
0.18%
60th percentile
Asset growth YoY
-3.25%
6th percentile
Loan growth YoY
-17.69%
1th percentile
Share growth YoY
-4.85%
4th percentile

Operations

Members / branch
2,423
34th percentile
Assets / member
$5,833
1th percentile
Field of membership penetration
17.92%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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