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
- CHARTER 62/100
- NCUSIF 13.1%
- CAMELS 1.04%
- HEALTH -0.35%
- NW $67.7M
- DELQ 3,749
- ROA #3,991/4,374
- ASSETS A.B.D.
- MEM 60369
Call Report peers
Spirit Financial in the assets neighbourhood
Spirit Financial's $67.7M assets sit next to A.B.D. ($67.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Spirit Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60369. See our deposit-insurance coverage note.
Peer-gap read for Spirit Financial
- Loan-to-Share Ratio trails the peer set - 50.89% here, 62.60% peer average (-11.71 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Spirit Financial
Spirit Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $67.7M (2025Q4) to $68.8M (2026Q1).
- Net-worth ratio shifted -0.41 pp (13.54% → 13.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Spirit Financial's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Spirit Financial financially healthy?
Yes/no aside, the number is 62/100 (Good) - Spirit Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,991 of 4,374; by total assets it ranks #2,164 of 4,374 nationally (same basis as /rankings/largest); and #104 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.13% net worth ratio and 1.04% delinquency rate are the key drivers.
How does Spirit Financial compare to other credit unions?
PlainCU's health composite puts Spirit Financial at 62/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Spirit Financial 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. Spirit Financial's net worth ratio of 13.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spirit Financial offer compared to banks?
Credit unions like Spirit Financial 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 Spirit Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.