SPIRIT OF AMERICA
Charter #24724 · LINCOLN, NE · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.34% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.87% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 AMERICA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.21M | 11th pct | 23th pct |
| Members | 3,542 | 19th pct | 30th pct |
| Net worth ratio | 12.29% | 44th pct | 46th pct |
| Return on average assets | 1.34% | 80th pct | 84th pct |
| Net interest margin | 3.87% | 58th pct | 75th pct |
| Cost of funds | 0.13% | 8th pct | 10th pct |
| Loan-to-share | 40.93% | 15th pct | 26th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.03% | 7th pct | 3th pct |
| Loan growth YoY | -1.56% | 50th pct | 52th pct |
| Share growth YoY | 0.49% | 22th pct | 21th pct |
| Efficiency ratio | 68.19% | 23th pct | 28th pct |
structural peer set hash: 4e9670a8fcf525a66517d13444bd5768… (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.