| Weiss Ratings |
American Spirit Federal Credit Union
Newark, DE |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.70 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 5.20 | |||
| Company Info |
American Spirit Federal Credit Union
Newark, DE |
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| NCUA Charter Number | 2926 | |||
| Phone Number | (302) 738-4515 | |||
| Website | www.americanspirit.org | |||
| Asset Quality |
American Spirit Federal Credit Union
Newark, DE |
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| 1-Year Asset Growth | -4.98% | |||
| 5-Year Asset Growth | 1.58% | |||
| 5-Year Charge-Offs to Average Loans | 0.83% | |||
| Charge-Offs to Average Loans | 0.92% | |||
| Non-Performing Assets to Assets | 1.23% | |||
| Non-Performing Loans to Capital | 9.46% | |||
| Non-Performing Loans to Loans | 3.55% | |||
| Balance Sheet |
American Spirit Federal Credit Union
Newark, DE |
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| Total Assets | 70.52M | |||
| Total Deposits | 61.90M | |||
| Capital and Reserves |
American Spirit Federal Credit Union
Newark, DE |
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| Capital | 8.43M | |||
| Leverage Ratio | 19.07 | |||
| Loan Loss Reserves to Loans | 2.92% | |||
| Liquidity |
American Spirit Federal Credit Union
Newark, DE |
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| Hot Money Ratio | 0.58% | |||
| Liquidity Ratio | 7.12% | |||
| Profitability |
American Spirit Federal Credit Union
Newark, DE |
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| 5-Year Return on Average Assets | 0.67% | |||
| Net Income | 367.00K | |||
| Net Interest Spread | 3.26% | |||
| Operating Profit to Average Assets | 0.87% | |||
| Overhead Efficiency Ratio | 80.08% | |||
| Return on Assets | 0.69% | |||
| Return on Equity | 6.49% | |||