Spirit Financial Levittown, PA · Charter 60369 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
$67.7M Assets
$30.2M Loans
$58.3M Shares
$9.1M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 15 of 50). Widest gap: net interest margin trails 82% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 42 of 51). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
0.03%
Rank 36 of 51
Net Interest Margin
2.72%
Rank 42 of 51
Efficiency Ratio
95.93%
Rank 41 of 50
Equity / Assets
13.44%
Rank 25 of 51
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.03% -0.05% 0.48% 0.90% Beats 29% 36 / 51 Return on Equity 0.24% -0.58% 4.00% 6.90% Beats 29% 36 / 51 Net Interest Margin 2.72% 2.96% 3.44% 3.98% Beats 18% 42 / 51 Efficiency Ratio 95.93% 73.91% 81.87% 94.16% Beats 20% 41 / 50 Asset Quality Nonperforming Loans / Loans 0.41% 0.19% 0.96% 1.83% Beats 72% 15 / 50 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 13.44% 10.44% 12.55% 18.48% Beats 51% 25 / 51 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 13.44% 10.44% 12.55% 18.48% Beats 51% 25 / 51 Liquidity & Funding Loans / Deposits 51.74% 28.84% 50.95% 65.41% 53rd pctl 24 / 51 Loans / Assets 44.56% 20.51% 39.58% 57.94% 55th pctl 23 / 51 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (50 to 51 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11