Federal credit union · Fairbanks, Alaska · NCUA charter #13583
Spirit of Alaska
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $199.7M
- Total assets
- 9,359
- Members
- 14.6%
- Net-worth ratio
Spirit of Alaska scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $199.7M; members 9,359; net-worth ratio 14.62%; health rank #756 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#756 of 4,374 health · 2025Q4Spirit of Alaska · health 92/100 · $199.7M · 2025Q4
Call Report peers
Spirit of Alaska in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Spirit of Alaska vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Spirit of Alaska sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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 of Alaska
- Largest favorable gap: Net Worth Ratio at 14.62% vs peer 12.11% (+2.51 pp).
- Largest lag: Loan-to-Share Ratio at 59.31% vs peer 72.20% (-12.89 pp).
Spirit of Alaska: in-state Call Report ranks
- Alaska health ordinal: #3 of 9.
- Alaska assets place: #7 of 9.
- Alaska membership ordinal: #8 of 9.
- One place up in Alaska, Matanuska Valley (#2) scores 93/100, 1 point higher; one place down, True North (#4) ties at 92/100.
How Spirit of Alaska's 5300 filing moved
Spirit of Alaska: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $199.7M (2025Q4) to $200.8M (2026Q1).
- Net-worth ratio shifted +0.14 pp (14.48% → 14.62%).
14.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Spirit of Alaska gives up 8 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Spirit of Alaska
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.62% | +2.51 pp |
| Delinquency Rate | 0.38% | -0.52 pp |
| Return on Assets | 0.91% | +0.28 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 59.31% | -12.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $200.8M | - |
| 2025Q4 | $199.7M | 9,359 |
| 2024Q4 | $193.7M | 9,359 |
| 2023Q4 | $195.4M | 9,428 |
Credit Union Details
- Charter Number
- 13583
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Alaska
- City
- Fairbanks
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Spirit of Alaska runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Gillam Branch (Main Office) | Fairbanks, AK |
| Geist Branch | Fairbanks, AK |
| Johansen Branch | Fairbanks, AK |
| Three Bears | North Pole, AK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alaska
Other federally-insured credit unions in Alaska, closest first by peer group and asset size.
Spirit of Alaska nationwide neighbourhoods
Using this data
- Spirit of Alaska ranks #756 of 4,374 nationally on financial health and #3 of 9 in AK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Skies is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Skies
Frequently Asked Questions
Is Spirit of Alaska financially healthy?
On its 2025Q4 NCUA 5300 filing, Spirit of Alaska scores 92/100 (Excellent), with a 14.62% net worth ratio and 0.38% of loans delinquent. It ranks #756 of 4,374 nationally on health and #3 of 9 in Alaska.
How does Spirit of Alaska compare to other credit unions?
Spirit of Alaska scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.62% vs 12.11%). Its widest shortfall is loan-to-share ratio (59.31% vs 72.20%).
How can I join Spirit of Alaska?
Spirit of Alaska 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 Spirit of Alaska directly for the exact boundaries and application steps.
Is my money safe at Spirit of Alaska?
Spirit of Alaska 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. Spirit of Alaska's net worth ratio of 14.62% 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.