SPIRIT OF ALASKA
Charter #13583 · Fairbanks, AK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.62% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.14% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.54% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.88% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 43rd — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SPIRIT OF ALASKA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $200.79M | 51th pct | 54th pct |
| Members | 9,231 | 26th pct | 34th pct |
| Net worth ratio | 14.62% | 83th pct | 84th pct |
| Return on average assets | 0.86% | 62th pct | 49th pct |
| Net interest margin | 4.14% | 79th pct | 93th pct |
| Cost of funds | 0.54% | 21th pct | 16th pct |
| Loan-to-share | 60.19% | 27th pct | 43th pct |
| Delinquency 60+ days | 0.88% | 70th pct | 72th pct |
| Net charge-off ratio | 0.08% | 15th pct | 30th pct |
| Loan growth YoY | -3.85% | 11th pct | 8th pct |
| Share growth YoY | 4.17% | 61th pct | 56th pct |
| Efficiency ratio | 84.88% | 71th pct | 80th pct |
structural peer set hash: 36c3a1c4134af8b07f7ce3bf969b2384… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.