BlastPoint's Credit Union Scorecard
SPIRIT OF ALASKA
Charter #13583 · AK
SPIRIT OF ALASKA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 10.09% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Alaska.
- Shares and deposits +2.8% year over year ($170M in shares and deposits).
- Membership: 9,209 members, -1.5% vs a year ago.
- Delinquency rate 1.16%.
- Return on assets 0.69%.
- Efficiency ratio 86.82% vs a 76.73% peer average.
- Loan-to-share ratio 61.46% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,209
-1.5% YoY-0.2% QoQ
|
-6.0K |
15,168
-2.6% YoY
|
129,879
+14.6% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$200.5M
+2.8% YoY-0.1% QoQ
|
$-31.5M |
$232.0M
+0.7% YoY
|
$2.1B
+12.8% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$104.7M
-5.1% YoY+2.0% QoQ
|
$-41.5M |
$146.3M
+0.2% YoY
|
$1.6B
+10.6% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$170.4M
+2.8% YoY-0.1% QoQ
|
$-30.3M |
$200.7M
+0.2% YoY
|
$1.8B
+13.3% YoY
|
$504.8M
+10.3% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-24.5% YoY-20.2% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.7%
+29.6% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
4.1%
-5.3% YoY-1.1% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
4.1%
+0.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
86.8%
+8.5% YoY+2.3% QoQ
|
+10.1% |
76.7%
-0.8% YoY
|
78.7%
-1.6% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
1.2%
+98.2% YoY+31.7% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
0.9%
+11.4% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
61.5%
-7.8% YoY+2.1% QoQ
|
-10.1% |
71.5%
-0.3% YoY
|
75.1%
-3.8% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$29,873
+1.2% YoY+0.9% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$26,986
+6.1% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
10.0%
+5.8% YoY+0.1% QoQ
|
-14.5% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
16.2%
-34.5% YoY-14.8% QoQ
|
+2.6% | 13.6% | 16.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)