State credit union · Lawrenceburg, Indiana · NCUA charter #65493
Community Spirit Credit Union
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $22.3M
- Total assets
- 2,061
- Members
- 9.4%
- Net-worth ratio
Community Spirit Credit Union scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.3M; members 2,061; net-worth ratio 9.43%; health rank #4,094 of 4,374; healthier than 6th of scored peers.
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NCUA 5300 Call Report Masthead
#4,094 of 4,374 health · 2025Q4Community Spirit · health 59/100 · $22.3M · 2025Q4
Call Report peers
Community Spirit Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Community Spirit Credit Union vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Community Spirit Credit Union sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Community Spirit Credit Union diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 53.53% vs peer 59.80% (-6.27 pp).
Community Spirit Credit Union in Indiana
- In Indiana, health place is #119 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #93 of 124.
- Indiana membership ordinal: #89 of 124.
- One place up in Indiana, Urban Beginnings Choice (#118) ties at 59/100; one place down, Financial Health (#120) scores 58/100, 1 point lower.
Quarter path for Community Spirit Credit Union
Community Spirit Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $22.3M (2025Q4) to $23.3M (2026Q1).
- Net-worth ratio shifted -0.37 pp (9.80% → 9.43%).
9.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 59/100 score is built
Community Spirit Credit Union gives up 41 points in total. Delinquency Rate costs the most, 16.1 of its 25; Net Worth Ratio loses the least, 1.4.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 8.9 pts
- Return on Assets 3.6 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 11.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.43% | -5.43 pp |
| Delinquency Rate | 2.58% | +1.43 pp |
| Return on Assets | -0.10% | -0.80 pp |
| Member Growth | -1.29% | - |
| Loan-to-Share Ratio | 53.53% | -6.27 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Community Spirit Credit Union quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.3M | - |
| 2025Q4 | $22.3M | 2,061 |
| 2024Q4 | $20.9M | 2,088 |
| 2023Q4 | $19.7M | 2,102 |
Credit Union Details
- Charter Number
- 65493
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Lawrenceburg
- Data Quarter
- 2025Q4
Branch Location
Community Spirit Credit Union operates a single office in Lawrenceburg, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Community Spirit CU (Main Office) | Lawrenceburg, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Community Spirit Credit Union ranks #4,094 of 4,374 nationally on financial health and #119 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FORTRESS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FORTRESS
Frequently Asked Questions
Is Community Spirit Credit Union financially healthy?
Community Spirit Credit Union has a financial health score of 59/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,094 of 4,374 nationally on health and #119 of 124 in Indiana. Its net worth ratio is 9.43% and its delinquency rate 2.58%.
How does Community Spirit Credit Union compare to other credit unions?
Community Spirit Credit Union scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (53.53% vs 59.80%).
How can I join Community Spirit Credit Union?
Membership eligibility for Community Spirit Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Spirit Credit Union directly for current membership requirements and application steps.
Is my money safe at Community Spirit Credit Union?
Community Spirit Credit Union is a state-chartered 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. Community Spirit Credit Union's net worth ratio of 9.43% 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.