AMERICAN SPIRIT
Charter #15426 · NEWARK, DE · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,122 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 18.99% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.62% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.90% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 5.82% sits at the 97th percentile of structural peers — worth a closer look.
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 | AMERICAN SPIRIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.50M | 46th pct | 52th pct |
| Members | 12,122 | 98th pct | 92th pct |
| Net worth ratio | 18.99% | 88th pct | 89th pct |
| Return on average assets | -0.62% | 5th pct | 7th pct |
| Net interest margin | 2.90% | 13th pct | 20th pct |
| Cost of funds | 0.94% | 52th pct | 56th pct |
| Loan-to-share | 34.38% | 8th pct | 39th pct |
| Delinquency 60+ days | 5.82% | 100th pct | 97th pct |
| Net charge-off ratio | 0.55% | 74th pct | 74th pct |
| Loan growth YoY | -14.19% | 1th pct | 2th pct |
| Share growth YoY | -1.84% | 6th pct | 7th pct |
| Efficiency ratio | 106.56% | 97th pct | 93th pct |
structural peer set hash: 006226a3d2a46143c5024599030fa988… (reproducible)
Closest structural peers
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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.