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
- ASSETS 92/100
- MEM 14.6%
- RANK 0.38%
- PHOTO 0.91%
- BOOK $199.7M
- CHARTER 9,359
- NCUSIF #756/4,374
- CAMELS SKY
- HEALTH 13583
Call Report peers
Spirit of Alaska in the assets neighbourhood
Spirit of Alaska's $199.7M assets sit next to SKY ($199.7M) 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 of Alaska 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
92 Top 20% higher than 80% 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 of Alaska - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13583. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Spirit of Alaska's 5300 filing moved
Spirit of Alaska: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $199.7M (2025Q4) to $200.8M (2026Q1).
- Net-worth ratio shifted +0.14 pp (14.48% → 14.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Spirit of Alaska's nationwide photo peers by assets and by health score, excluding Alaska charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($199.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Alaska credit unions compare overall before assuming this one is typical. Alaska 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 of Alaska financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Spirit of Alaska'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 #756 of 4,374; by total assets it ranks #1,279 of 4,374 nationally (same basis as /rankings/largest); and #7 of 9 within Alaska. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.62% net worth ratio and 0.38% delinquency rate are the key drivers.
How does Spirit of Alaska compare to other credit unions?
Spirit of Alaska scores 92/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Spirit of Alaska 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 of Alaska's net worth ratio of 14.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spirit of Alaska offer compared to banks?
Credit unions like Spirit of Alaska 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 of Alaska 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.