BlastPoint's Credit Union Scorecard
SPIRIT OF AMERICA
Charter #24724 · NE
SPIRIT OF AMERICA has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,584
-3.9% YoY-3.5% QoQ
|
+968 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$53.5M
+1.0% YoY-0.3% QoQ
|
+$23.4M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$19.5M
-2.8% YoY-0.9% QoQ
|
+$3.7M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$46.6M
-0.5% YoY-0.9% QoQ
|
+$20.9M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
1.5%
+45.5% YoY+3.1% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.9%
+10.2% YoY+2.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
65.1%
-12.4% YoY-0.6% QoQ
|
-17.4% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
41.8%
-2.3% YoY-0.1% QoQ
|
-18.9% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$18,445
+2.8% YoY+2.7% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
1.5%
-1.1% YoY+0.1% QoQ
|
-22.9% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 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)