Federal credit union · NEWARK, Delaware · NCUA charter #15426
American Spirit
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $70.7M
- Total assets
- 12,117
- Members
- 17.1%
- Net-worth ratio
American Spirit - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15426. See our deposit-insurance coverage note.
American Spirit - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)79
- Member growth61
- Liquidity (loan-to-share)63
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.15% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.15% | 30% |
| Delinquency Rate | 4.02% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | 0.18% | 15% |
| Loan-to-Share Ratio | 37.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $70.7M | 12,117 |
| 2024Q4 | $73.1M | 12,095 |
| 2023Q4 | $76.8M | 12,098 |
Credit Union Details
- Charter Number
- 15426
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Delaware
- City
- NEWARK
- Data Quarter
- 2025Q4
What This Data Says About American Spirit
12,117 members and $70.7M in total assets sit behind American Spirit, a federal credit union in NEWARK, Delaware, which posts a health score of 60/100 (Good) on the five-factor composite, with $23.2M in outstanding loans as of Q4 2025 and a net worth ratio of 17.15% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #15426 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 4.02% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 37.53% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.29% on net income of $202K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.18%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Delaware
A look at other Delaware credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is American Spirit financially healthy?
American Spirit has a financial health score of 60/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.15% and delinquency rate of 4.02%.
How does American Spirit compare to other credit unions?
American Spirit scores 60/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join American Spirit?
American Spirit operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact American Spirit directly for the exact boundaries and application steps.
Is my money safe at American Spirit?
Federal credit unions like American Spirit are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. American Spirit's net worth ratio of 17.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American Spirit offer compared to banks?
Credit unions like American Spirit are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact American Spirit directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.