Spirit Financial Credit Union (NCUA charter #60369) is based in Levittown, Pennsylvania. Its Q2 2026 call report shows $67.7M in total assets and $58.3M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Spirit Financial Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 129th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 6% uninsured), and its lowest is earnings (21/100; 0.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 78 |
| Q2 2025 | 76 |
| Q3 2025 | 81 |
| Q4 2025 | 75 |
| Q1 2026 | 67 |
| Q2 2026 | 76 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.09% |
| Q3 2024 | 12.54% |
| Q4 2024 | 12.55% |
| Q1 2025 | 12.61% |
| Q2 2025 | 12.55% |
| Q3 2025 | 13.18% |
| Q4 2025 | 13.54% |
| Q1 2026 | 13.13% |
| Q2 2026 | 13.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.39% |
| Q4 2025 | 1.04% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.66% |
| Q3 2024 | -0.35% |
| Q4 2024 | -0.34% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.64% |
| Q1 2026 | -0.36% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $67.7M | 13.44% | 0.41% | 0.03% | 51.7% |
| Q1 2026 | 67 | $68.8M | 13.13% | 0.94% | -0.36% | 51.3% |
| Q4 2025 | 75 | $67.7M | 13.54% | 1.04% | 0.64% | 50.9% |
| Q3 2025 | 81 | $69.0M | 13.18% | 0.39% | 0.71% | 51.6% |
| Q2 2025 | 76 | $71.1M | 12.55% | 0.52% | 0.51% | 52.7% |
| Q1 2025 | 78 | $70.0M | 12.61% | 0.30% | 0.53% | 55.8% |
| Q4 2024 | 71 | $70.3M | 12.55% | 0.37% | -0.34% | 56.8% |
| Q3 2024 | 69 | $70.8M | 12.54% | 0.51% | -0.35% | 55.2% |
| Q2 2024 | 69 | $73.7M | 12.09% | 0.26% | -0.66% | 56.0% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sru Federal Credit UnionCredit union Slippery Rock, PA | 83 out of 100, Strong | $67.1M | 12.8% | 0.54% | vs |
| Friendly Federal Credit UnionCredit union Aliquippa, PA | 63 out of 100, Moderate | $69.1M | 17.0% | 4.66% | vs |
| Titan Federal Credit UnionCredit union Pleasant Gap, PA | 94 out of 100, Very strong | $69.5M | 15.4% | 0.31% | vs |
| Wheatland Federal Credit UnionCredit union Lancaster, PA | 66 out of 100, Moderate | $69.9M | 8.6% | 0.24% | vs |
| Superior Credit UnionCredit union Collegeville, PA | 48 out of 100, Below average | $65.4M | 7.0% | 1.66% | vs |
| Access Credit UnionCredit union Bristol, PA | 78 out of 100, Strong | $70.3M | 11.8% | 0.16% | vs |
Deposit insurance
Is my money safe at Spirit Financial Credit Union?
Yes. Spirit Financial Credit Union is a federally insured credit union (NCUA charter #60369). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.4% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Spirit Financial Credit Union lists 1 office in 1 city. Most locations:
- Levittown, PA (1)
Identity & history
Profile
- Legal name
- Spirit Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60369
- RSSD ID
- 84596
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 8535 New Falls Rd, Levittown, PA 19054
- Employees
- 11
Quick answers
Spirit Financial Credit Union: common questions
Is Spirit Financial Credit Union NCUA insured?
Yes. Spirit Financial Credit Union is a federally insured credit union (NCUA charter #60369). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Spirit Financial Credit Union's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Spirit Financial Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Levittown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| The Philadelphia Trust CompanyBank Philadelphia, PA | 93 out of 100, Very strong | $27.7M | 71.8% | 0.00% | vs |
| Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA | 93 out of 100, Very strong | $30K | 30.3% | 0.00% | vs |