SPIRIT FINANCIAL
Charter #60369 · LEVITTOWN, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.36% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.58% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.06% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 106.66% sits at the 93rd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 51st — a 28-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.79M | 44th pct | 49th pct |
| Members | 3,725 | 23th pct | 51th pct |
| Net worth ratio | 13.13% | 53th pct | 59th pct |
| Return on average assets | -0.36% | 7th pct | 5th pct |
| Net interest margin | 2.58% | 6th pct | 13th pct |
| Cost of funds | 1.52% | 81th pct | 74th pct |
| Loan-to-share | 51.25% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.94% | 69th pct | 72th pct |
| Net charge-off ratio | 1.06% | 90th pct | 93th pct |
| Loan growth YoY | -1.04% | 55th pct | 57th pct |
| Share growth YoY | -0.40% | 15th pct | 18th pct |
| Efficiency ratio | 106.66% | 97th pct | 93th pct |
structural peer set hash: 641fda00b188902ab184f1fca75c0167… (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.