State credit union · Lawrenceburg, Indiana · NCUA charter #65493
Community Spirit Credit Union
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $22.3M
- Total assets
- 2,061
- Members
- 9.8%
- Net-worth ratio
Community Spirit Credit Union - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65493. See our deposit-insurance coverage note.
Community Spirit Credit Union - 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)98
- Asset quality (delinquency)36
- Earnings (ROA)24
- Member growth44
- Liquidity (loan-to-share)75
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.80% | 30% |
| Delinquency Rate | 2.58% | 25% |
| Return on Assets | -0.10% | 15% |
| Member Growth | -1.29% | 15% |
| Loan-to-Share Ratio | 53.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Community Spirit Credit Union
Community Spirit Credit Union is a state credit union headquartered in Lawrenceburg, Indiana, serving 2,061 members with $22.3M in total assets and $10.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 60/100 (Good), anchored by a net worth ratio of 9.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #65493 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
2.58% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 53.53% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.10% on net income of $-21527 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 -1.29%. 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: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
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 Community Spirit Credit Union financially healthy?
Community Spirit Credit Union scores 60/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.80% net worth ratio and a 2.58% delinquency rate.
How does Community Spirit Credit Union compare to other credit unions?
Community Spirit Credit Union scores 60/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Community Spirit Credit Union 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. Community Spirit Credit Union's net worth ratio of 9.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Spirit Credit Union offer compared to banks?
Credit unions like Community Spirit Credit Union 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 Community Spirit Credit Union 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.