Spirit of Alaska
Fairbanks, AK · Charter 13583 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$200.5MAssets
$104.7MLoans
$170.4MShares
$29.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 66% of credit unions under $1B in assets (rank 574 of 1683).
- Widest gap: efficiency ratio trails 75% of credit unions under $1B in assets (rank 1256 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.69%
Rank 899 of 1,683
Net Interest Margin
4.08%
Rank 603 of 1,683
Efficiency Ratio
86.83%
Rank 1,256 of 1,682
Equity / Assets
14.77%
Rank 574 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 899 / 1,683 | |
| Return on Equity | 4.66% | 2.67% | 5.89% | 8.74% | Beats 41% | 993 / 1,681 | |
| Net Interest Margin | 4.08% | 3.31% | 3.82% | 4.32% | Beats 64% | 603 / 1,683 | |
| Efficiency Ratio | 86.83% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,256 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.16% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,204 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.77% | 10.44% | 12.89% | 16.53% | Beats 66% | 574 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.77% | 10.44% | 12.89% | 16.53% | Beats 66% | 574 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 61.46% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,067 / 1,683 | |
| Loans / Assets | 52.22% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,052 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |