State credit union · LEVITTOWN, Pennsylvania · NCUA charter #60369
Spirit Financial
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $67.7M
- Total assets
- 3,749
- Members
- 13.1%
- Net-worth ratio
Spirit Financial scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.7M; members 3,749; net-worth ratio 13.13%; health rank #3,991 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,991 of 4,374 health · 2025Q4Spirit Financial · health 62/100 · $67.7M · 2025Q4
Call Report peers
Spirit Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Spirit Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Spirit Financial sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Spirit Financial
- Loan-to-Share Ratio trails the peer set - 50.89% here, 62.60% peer average (-11.71 pp).
Spirit Financial: in-state Call Report ranks
- Pennsylvania health ordinal: #248 of 275.
- By total assets, Spirit Financial is #104 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #123 of 275.
- One place up in Pennsylvania, North Districts (#247) ties at 62/100; one place down, WABELLCO (#249) ties at 62/100.
Quarter path for Spirit Financial
Spirit Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $67.7M (2025Q4) to $68.8M (2026Q1).
- Net-worth ratio shifted -0.41 pp (13.54% → 13.13%).
13.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Spirit Financial gives up 38 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 1.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Call Report ratios for Spirit Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.13% | -0.49 pp |
| Delinquency Rate | 1.04% | +0.08 pp |
| Return on Assets | -0.35% | -1.01 pp |
| Member Growth | -5.69% | - |
| Loan-to-Share Ratio | 50.89% | -11.71 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Spirit Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.8M | - |
| 2025Q4 | $67.7M | 3,749 |
| 2024Q4 | $70.3M | 3,975 |
| 2023Q4 | $72.9M | 4,059 |
Credit Union Details
- Charter Number
- 60369
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- LEVITTOWN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Spirit Financial runs one office.
| Office | City |
|---|---|
| Levittown (Main Office) | Levittown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Spirit Financial nationwide neighbourhoods
Similar total assets
Using this data
- Spirit Financial ranks #3,991 of 4,374 nationally on financial health and #248 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FRIENDLY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FRIENDLY
Frequently Asked Questions
Is Spirit Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Spirit Financial scores 62/100 (Good), with a 13.13% net worth ratio and 1.04% of loans delinquent. It ranks #3,991 of 4,374 nationally on health and #248 of 275 in Pennsylvania.
How does Spirit Financial compare to other credit unions?
Spirit Financial scores 62/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (50.89% vs 62.60%).
How can I join Spirit Financial?
Membership eligibility for Spirit Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Spirit Financial directly for current membership requirements and application steps.
Is my money safe at Spirit Financial?
Spirit Financial 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. Spirit Financial's net worth ratio of 13.13% 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.