Federal credit union · NEWARK, Delaware · NCUA charter #15426
American Spirit
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $70.7M
- Total assets
- 12,117
- Members
- 19.0%
- Net-worth ratio
American Spirit scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.7M; members 12,117; net-worth ratio 18.99%; health rank #4,050 of 4,374; healthier than 7th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,050 of 4,374 health · 2025Q4American Spirit · health 60/100 · $70.7M · 2025Q4
Call Report peers
American Spirit in the assets neighbourhood
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American Spirit vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); American Spirit sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where American Spirit diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 18.99% vs peer 13.62% (+5.37 pp).
- Loan-to-Share Ratio trails the peer set - 37.53% here, 62.60% peer average (-25.07 pp).
Delaware standing for American Spirit
- Health composite ranks #13 of 15 among scored Delaware credit unions.
- Assets rank #8 of 15 inside Delaware ($70.7M reported).
- Membership ranks #5 of 15 among Delaware CUs with a reported count (12,117 members).
- One place up in Delaware, Delaware River & Bay Auth Emp (#12) scores 66/100, 6 points higher; one place down, Wilmington Police & Fire (#14) scores 54/100, 6 points lower.
Quarter path for American Spirit
American Spirit: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $70.7M (2025Q4) to $69.5M (2026Q1).
- Net-worth ratio shifted +0.16 pp (18.83% → 18.99%).
This credit union's 18.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 60/100 score is built
American Spirit gives up 40 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.8 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.99% | +5.37 pp |
| Delinquency Rate | 4.02% | +3.05 pp |
| Return on Assets | 0.29% | -0.37 pp |
| Member Growth | 0.18% | - |
| Loan-to-Share Ratio | 37.53% | -25.07 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
American Spirit quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.5M | - |
| 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
Branch Locations (5)
American Spirit operates 5 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1110 Elkton Rd (Main Office) | Newark, DE |
| American Spirit - Dover | Dover, DE |
| Disaster Recovery | Memphis, TN |
| Vital Records | Memphis, TN |
| American Spirit - Middletown | Middletown, DE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
American Spirit nationwide neighbourhoods
Using this data
- American Spirit ranks #4,050 of 4,374 nationally on financial health and #13 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eagle One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eagle One
Frequently Asked Questions
Is American Spirit financially healthy?
American Spirit has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,050 of 4,374 nationally on health and #13 of 15 in Delaware. Its net worth ratio is 18.99% and its delinquency rate 4.02%.
How does American Spirit compare to other credit unions?
American Spirit scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (18.99% vs 13.62%). Its widest shortfall is loan-to-share ratio (37.53% vs 62.60%).
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?
American Spirit is a federal credit union; its shares are federally 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 18.99% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.