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Letter portraitLegal landscapeQuarterYTD

Spirit of America

Lincoln, NE · Charter 24724

NCUA · 2 branches

Q2 2026

$53.2MAssets
$19.2MLoans
$46.0MShares
$6.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.45%, up 9 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.01% of loans (-1 bps YoY).
  • Capital: net worth / assets of 12.87%, up 184 bps from a year ago.
  • Funding: loans stand at 41.62% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.45%+9 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+28 bps YoY

Efficiency Ratio (quarter, annualized)

66.91%+47 bps YoY

Net Worth / Assets

12.87%+184 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.01%1.23%1.37%1.45%1.48%1.33%1.45%+9 bps
Return on Equity8.99%9.45%11.41%12.38%12.45%12.28%10.90%11.28%-110 bps
Net Interest Margin3.49%3.50%3.61%3.73%3.85%3.89%3.85%4.01%+28 bps
Efficiency Ratio75.89%74.33%68.97%66.44%65.55%65.13%68.19%66.91%+47 bps
Growth
Asset Growth (YoY)-7.94%-5.14%-3.39%1.20%2.80%1.02%0.34%-2.82%-402 bps
Loan Growth (YoY)2.02%1.66%-2.94%-2.12%-0.58%-2.77%0.46%-3.67%-154 bps
Share Growth (YoY)-9.85%-6.49%-4.64%0.59%1.94%-0.48%-1.00%-4.77%-536 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.02%0.02%0.08%0.00%0.00%0.01%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.53%10.68%10.79%11.03%11.64%12.07%12.25%12.87%+184 bps
Net Worth / Assets10.53%10.68%10.79%11.03%11.64%12.07%12.25%12.87%+184 bps
Liquidity & Funding
Loans / Shares42.84%42.74%40.33%41.14%41.78%41.76%40.93%41.62%+48 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps