| Credit Union Charter #24724

Spirit of America

Nebraska JSON

Institution Profile

Address: PO BOX 5556 LINCOLN, NE 68505-0556

(402) 467-1102

Website:

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NCUA Profile:

View on NCUA →

Charter Date:

1/1/1943

Charter Type:

Federal

Branches:

1

Branches by Region
NE 1

Financial Overview

Total Assets
$53.52M
Total Deposits
$46.63M
Total Loans
$19.47M
Members
3,584
Employees
10 10 Full-time / 0 Part-time
Allowance for Loan Losses
$103,945

Performance Ratios

Net Worth Ratio
12.07%
Loan-to-Deposit Ratio
41.76%
Coverage Ratio
0.53% Allowance / Total Loans

Assets, Loans & Deposits Over Time

Assets, Loans & Deposits Over Time

Total Assets: +15.55% Total Deposits: +11.68% Total Loans: +21.95% since 2020 Q1

Member Growth

Member Growth

Members: -9.88% since 2020 Q1

Employee Growth

Employee Growth

Employees: -9.09% since 2020 Q1

Loan Originations

New loans granted per quarter (calculated from YTD figures)

Loans This Year (YTD)
296
Amount This Year (YTD)
$6.99M

Number of Loans per Quarter

Loans Granted: -36.46% since 2020 Q1

Loan Amount per Quarter

Amount Granted: +29.11% since 2020 Q1

Loan Portfolio Breakdown

Current outstanding balances by loan type

HELOCs
$8.78M 45.1%
Used Vehicle
$6.04M 31.0%
New Vehicle
$3.13M 16.1%
Other Secured
$877,134 4.5%
Credit Card
$327,410 1.7%
Other Unsecured
$298,578 1.5%
1st Mortgages
$14,534 0.1%

Portfolio Distribution

Historical Data Table

QuarterMembersTotal AssetsTotal DepositsTotal LoansEmployees
2025 Q4 3,584 $53.52M $46.63M $19.47M 10
2025 Q3 3,713 $53.66M $47.04M $19.65M 9
2025 Q2 3,706 $54.72M $48.32M $19.88M 11
2025 Q1 3,709 $54.02M $47.75M $19.26M 10
2024 Q4 3,728 $52.97M $46.86M $20.03M 10
2024 Q3 3,744 $52.20M $46.14M $19.77M 11
2024 Q2 3,795 $54.07M $48.04M $20.31M 10
2024 Q1 3,740 $55.92M $50.07M $19.84M 10
2023 Q4 3,756 $55.84M $50.11M $19.70M 9
2023 Q3 3,770 $56.70M $51.18M $19.38M 7
2023 Q2 3,788 $59.23M $53.83M $18.85M 8
2023 Q1 3,796 $60.25M $55.04M $17.94M 9
2022 Q4 3,800 $60.16M $54.94M $17.25M 10
2022 Q3 3,808 $59.59M $54.48M $16.20M 10
2022 Q2 3,840 $59.69M $54.47M $15.13M 10
2022 Q1 3,843 $58.38M $53.39M $14.83M 10
2021 Q4 3,848 $57.55M $52.65M $15.51M 9
2021 Q3 3,863 $55.43M $50.43M $15.67M 10
2021 Q2 3,881 $55.90M $50.93M $15.68M 10
2021 Q1 3,908 $56.92M $52.22M $15.27M 10
2020 Q4 3,932 $54.25M $49.58M $15.43M 10
2020 Q3 3,948 $51.81M $47.08M $14.70M 9
2020 Q2 3,965 $51.09M $46.43M $15.29M 10
2020 Q1 3,977 $46.31M $41.76M $15.97M 11

Interest Rates

Current average rates by loan type

New Vehicle
6.50%
Used Vehicle
8.00%
1st Mortgage (Fixed)
3.63%
HELOC
8.25%
Credit Card
15.25%
Other Unsecured
11.25%