Federal credit union · LINCOLN, Nebraska · NCUA charter #24724
Spirit of America
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $53.5M
- Total assets
- 3,584
- Members
- 12.3%
- Net-worth ratio
Spirit of America scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.5M; members 3,584; net-worth ratio 12.29%; health rank #2,433 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,433 of 4,374 health · 2025Q4Spirit of America · health 82/100 · $53.5M · 2025Q4
Call Report peers
Spirit of America 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 America vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Spirit of America sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Peer-gap read for Spirit of America
- Delinquency Rate leads the peer set - 0.00% here, 0.96% peer average (-0.96 pp).
- Largest lag: Loan-to-Share Ratio at 41.76% vs peer 62.60% (-20.84 pp).
Spirit of America in Nebraska
- Nebraska health ordinal: #27 of 50.
- Nebraska assets place: #21 of 50.
- Membership ranks #22 of 50 among Nebraska CUs with a reported count (3,584 members).
- One place up in Nebraska, GALLUP (#26) ties at 82/100; one place down, Omaha Douglas (#28) scores 81/100, 1 point lower.
How Spirit of America's 5300 filing moved
Spirit of America: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $53.5M (2025Q4) to $54.2M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.07% → 12.29%).
At 12.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Spirit of America gives up 18 points in total. Member Growth costs the most, 13 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 2.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.29% | -1.33 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | 1.00% | +0.34 pp |
| Member Growth | -3.86% | - |
| Loan-to-Share Ratio | 41.76% | -20.84 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Spirit of America
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.2M | - |
| 2025Q4 | $53.5M | 3,584 |
| 2024Q4 | $53.0M | 3,728 |
| 2023Q4 | $55.8M | 3,756 |
Credit Union Details
- Charter Number
- 24724
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Nebraska
- City
- LINCOLN
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Spirit of America, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Credit Union (Main Office) | Lincoln, NE |
| Dedasphere FKA Visifi | Lithia Springs, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Other-state peers near Spirit of America
Using this data
- Spirit of America ranks #2,433 of 4,374 nationally on financial health and #27 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kellogg Midwest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kellogg Midwest
Frequently Asked Questions
Is Spirit of America financially healthy?
Spirit of America has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,433 of 4,374 nationally on health and #27 of 50 in Nebraska. Its net worth ratio is 12.29% and its delinquency rate 0.00%.
How does Spirit of America compare to other credit unions?
Spirit of America scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.00% vs 0.96%). Its widest shortfall is loan-to-share ratio (41.76% vs 62.60%).
How can I join Spirit of America?
Spirit of America serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Spirit of America directly for the current list of qualifying groups.
Is my money safe at Spirit of America?
Spirit of America 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 America's net worth ratio of 12.29% 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.