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
- CAMELS 82/100
- HEALTH 12.3%
- NW 0.00%
- DELQ 1.00%
- ROA $53.5M
- ASSETS 3,584
- MEM #2,433/4,374
- RANK FORGE
- PHOTO 24724
Call Report peers
Spirit of America in the assets neighbourhood
Spirit of America's $53.5M assets sit next to FORGE ($53.5M) 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 America 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
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
Spirit of America - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24724, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Spirit of America's 5300 filing moved
Spirit of America: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $53.5M (2025Q4) to $54.2M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.07% → 12.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
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).
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
Spirit of America's nationwide photo peers by assets and by health score, excluding Nebraska charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 America financially healthy?
A 12.29% net worth ratio and a 0.00% delinquency rate feed into Spirit of America's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,433 of 4,374; by total assets it ranks #2,353 of 4,374 nationally (same basis as /rankings/largest); and #21 of 50 within Nebraska. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Spirit of America compare to other credit unions?
Spirit of America scores 82/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Spirit of America 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 America's net worth ratio of 12.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spirit of America offer compared to banks?
Credit unions like Spirit of America 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 America 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.