BlastPoint's Credit Union Scorecard
SPIRIT OF AMERICA
Charter #24724 · NE
SPIRIT OF AMERICA demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,713
-0.8% YoY+0.2% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$53.7M
+2.8% YoY-1.9% QoQ
|
+$23.8M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$19.7M
-0.6% YoY-1.2% QoQ
|
+$3.9M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$47.0M
+1.9% YoY-2.7% QoQ
|
+$21.6M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
1.4%
+54.3% YoY+4.4% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.8%
+11.2% YoY+1.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
65.6%
-13.6% YoY-1.3% QoQ
|
-15.8% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.1%
+253.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
41.8%
-2.5% YoY+1.6% QoQ
|
-19.5% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$17,961
+2.0% YoY-2.4% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
1.5%
+8.1% YoY+3.5% QoQ
|
-22.9% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)