TellerScore

Headquartered in Fairbanks, Alaska, Spirit of Alaska Federal Credit Union is a federal credit union with $200.5M in total assets and $170.4M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1960.

Based on its Q2 2026 filing, Spirit of Alaska Federal Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 8 credit unions headquartered in Alaska, it ranks 2nd. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 5% uninsured), and its lowest is earnings (48/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.77%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity99/100
Loans ÷ shares: 61.5% · 5.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.09%

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

From Q2 2025 to Q2 2026, the score fell 5 points (83 → 78), mostly because the loan quality component weakened by 20 points.

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202482
Q4 202482
Q1 202582
Q2 202583
Q3 202586
Q4 202586
Q1 202682
Q2 202678
Net worth ratio
7.00%10.92%14.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.51%
Q3 202413.93%
Q4 202414.07%
Q1 202514.17%
Q2 202514.42%
Q3 202514.84%
Q4 202514.48%
Q1 202614.62%
Q2 202614.77%
Delinquent loans (60+ days)
0.38%0.77%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.56%
Q4 20240.54%
Q1 20250.81%
Q2 20250.58%
Q3 20250.48%
Q4 20250.38%
Q1 20260.88%
Q2 20261.16%
Return on assets
0.69%0.89%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.94%
Q4 20240.94%
Q1 20251.09%
Q2 20250.91%
Q3 20250.99%
Q4 20250.84%
Q1 20260.86%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$200.5M14.77%1.16%0.69%61.5%
Q1 202682$200.8M14.62%0.88%0.86%60.2%
Q4 202586$199.7M14.48%0.38%0.84%59.3%
Q3 202586$193.3M14.84%0.48%0.99%65.2%
Q2 202583$195.1M14.42%0.58%0.91%66.6%
Q1 202582$196.2M14.17%0.81%1.09%67.2%
Q4 202482$193.7M14.07%0.54%0.94%69.6%
Q3 202482$192.5M13.93%0.56%0.94%70.4%
Q2 202480$194.3M13.51%0.57%0.82%69.1%

1,341 peers · $100 million – $1 billion

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).

Capital ratio14.77%
84th
Problem loans1.16%
23rd
Net charge-offs0.11%
84th
Return on assets0.69%
46th
Loans to deposits61.5%
76th
Uninsured deposits5.1%
58th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
50th

Similar-size credit unions in Alaska

InstitutionScoreAssetsCapitalProblem loansCompare
Northern Skies Federal Credit UnionCredit union Anchorage, AK73 out of 100, Strong$231.7M13.3%1.07%vs
True North Federal Credit UnionCredit union Juneau, AK58 out of 100, Moderate$236.2M10.2%0.87%vs
Tongass Federal Credit UnionCredit union Ketchikan, AK73 out of 100, Strong$251.9M12.9%0.43%vs
Matanuska Valley Federal Credit UnionCredit union Palmer, AK68 out of 100, Moderate$977.3M10.7%0.95%vs

Deposit insurance

Is my money safe at Spirit of Alaska Federal Credit Union?

Yes. Spirit of Alaska Federal Credit Union is a federally insured credit union (NCUA charter #13583). 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 5.1% of shares and deposits ($8.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.77%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Spirit of Alaska Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spirit of Alaska Federal Credit Union
Type
Federal credit union
NCUA charter #
13583
RSSD ID
234588
Primary regulator
NCUA
Established
1960
Headquarters
1417 Gillam Way, Fairbanks, AK 99701
Employees
39

Quick answers

Spirit of Alaska Federal Credit Union: common questions

Is Spirit of Alaska Federal Credit Union NCUA insured?

Yes. Spirit of Alaska Federal Credit Union is a federally insured credit union (NCUA charter #13583). 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 of Alaska Federal Credit Union's TellerScore?

78 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 of Alaska Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fairbanks

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union 1Credit union Anchorage, AK78 out of 100, Strong$1.7B15.5%1.01%vs
Global Federal Credit UnionCredit union Anchorage, AK53 out of 100, Below average$13.0B9.7%1.42%vs