BlastPoint's Credit Union Scorecard
SPIRIT OF AMERICA
Charter #24724 · NE
SPIRIT OF AMERICA has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,542
-4.5% YoY-1.2% QoQ
|
+865 |
2,676
+1.6% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$54.2M
+0.3% YoY+1.3% QoQ
|
+$24.0M |
$30.2M
+1.3% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$19.3M
+0.5% YoY-0.6% QoQ
|
+$4.1M |
$15.3M
-2.0% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$47.3M
-1.0% YoY+1.4% QoQ
|
+$21.5M |
$25.8M
+0.7% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
1.3%
+7.4% YoY-9.8% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
3.8%
+5.6% YoY-1.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
68.2%
-1.1% YoY+4.7% QoQ
|
-22.4% |
90.6%
+6.5% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
40.9%
+1.5% YoY-2.0% QoQ
|
-17.6% |
58.5%
-3.0% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$18,807
+4.1% YoY+2.0% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration |
1.4%
-1.6% YoY-4.7% QoQ
|
-22.8% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)