BlastPoint's Credit Union Scorecard
SPIRIT FINANCIAL
Charter #60369 · PA
SPIRIT FINANCIAL has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -5.7% YoY
- - First Mortgage Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,749
-5.7% YoY-1.2% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$67.7M
-3.6% YoY-1.9% QoQ
|
+$37.6M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 13.5% in tier |
| Loans |
$29.7M
-14.7% YoY-3.6% QoQ
|
+$13.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$58.4M
-4.8% YoY-2.3% QoQ
|
+$32.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 13.1% in tier |
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| ROA |
0.6%
-288.0% YoY-8.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.8%
+6.5% YoY-3.6% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio |
75.4%
-5.9% YoY+0.0% QoQ
|
-7.2% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
1.0%
+181.0% YoY+165.6% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
50.9%
-10.5% YoY-1.4% QoQ
|
-9.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$23,491
-2.9% YoY-1.6% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 11.0% in tier |
| CD Concentration |
24.1%
-13.7% YoY-0.1% QoQ
|
-0.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
2.8%
-32.4% YoY-11.6% QoQ
|
-11.0% | 13.8% | 8.1% | 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)