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Spirit Financial

Levittown, PA · Charter 60369

NCUA · 1 branch

Q2 2026

$67.7MAssets
$30.2MLoans
$58.3MShares
$9.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 48 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.41% of loans (-11 bps YoY).
  • Capital: net worth / assets of 13.44%, up 88 bps from a year ago.
  • Funding: loans stand at 51.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.03%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-8 bps YoY

Efficiency Ratio (YTD, annualized)

96.01%+1,845 bps YoY

Net Worth / Assets

13.44%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%-0.34%0.53%0.51%0.71%0.64%-0.36%0.03%-48 bps
Return on Equity-2.76%-2.70%4.16%4.08%5.34%4.73%-2.76%0.24%-384 bps
Net Interest Margin2.63%2.66%2.77%2.80%2.97%2.85%2.56%2.72%-8 bps
Efficiency Ratio78.05%80.15%81.32%77.56%75.36%75.38%106.66%96.01%+1,845 bps
Growth
Asset Growth (YoY)-1.39%-3.65%-6.17%-3.55%-2.44%-3.63%-1.75%-4.69%-114 bps
Loan Growth (YoY)-7.39%-5.36%-6.52%-9.67%-9.45%-14.73%-9.02%-7.39%+227 bps
Share Growth (YoY)-1.06%-3.37%-7.77%-4.01%-3.09%-4.76%-0.99%-5.66%-165 bps
Asset Quality
Delinquent Loans / Loans0.51%0.37%0.30%0.52%0.39%1.04%0.94%0.41%-11 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 Capital12.57%12.58%12.63%12.57%13.20%13.56%13.13%13.44%+88 bps
Net Worth / Assets12.57%12.58%12.63%12.57%13.20%13.56%13.13%13.44%+88 bps
Liquidity & Funding
Loans / Shares55.21%56.84%55.78%52.70%51.59%50.89%51.25%51.73%-97 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps