BlastPoint's Credit Union Scorecard
SPIRIT FINANCIAL
Charter #60369 · PA
SPIRIT FINANCIAL faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 7.25% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - First Mortgage Concentration (%): Bottom 7.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.7% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -5.7% year over year ($58.3M in shares and deposits).
- Membership: 3,702 members, -5.7% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 0.03%.
- Efficiency ratio 96.01% vs a 88.77% peer average.
- Loan-to-share ratio 51.73% vs a 58.89% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,702
-5.7% YoY-0.6% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$67.7M
-4.7% YoY-1.5% QoQ
|
+$37.5M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.6% in tier |
| Loans |
$30.2M
-7.4% YoY-1.0% QoQ
|
+$14.7M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$58.3M
-5.7% YoY-1.9% QoQ
|
+$32.5M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Top 13.2% in tier |
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| ROA |
0.0%
-93.7% YoY-108.9% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.2% in tier |
| NIM |
2.7%
-4.5% YoY+5.3% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio |
96.0%
+23.8% YoY-10.0% QoQ
|
+7.2% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.4%
-20.7% YoY-56.2% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
51.7%
-1.8% YoY+0.9% QoQ
|
-7.2% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$23,914
-0.6% YoY-1.0% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 10.7% in tier |
| CD Concentration |
22.0%
-16.1% YoY-0.2% QoQ
|
-2.5% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
7.9%
+133.7% YoY+12.7% QoQ
|
-5.7% | 13.6% | 8.4% | 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)