TellerScore

Headquartered in Lincoln, Nebraska, Spirit of America Federal Credit Union is a federal credit union with $53.2M in total assets and $46.0M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1943.

Spirit of America Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 50 credit unions headquartered in Nebraska, it ranks 6th. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (78/100, 1.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.87%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity100/100
Loans ÷ shares: 41.6% · 1.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.03%

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 rose 5 points (84 → 89), mostly because the capital cushion component improved by 16 points.

TellerScore
768389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202479
Q1 202581
Q2 202584
Q3 202585
Q4 202587
Q1 202687
Q2 202689
Net worth ratio
7.00%9.93%12.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.91%
Q3 202410.53%
Q4 202410.68%
Q1 202510.93%
Q2 202511.29%
Q3 202511.64%
Q4 202512.07%
Q1 202612.29%
Q2 202612.87%
Delinquent loans (60+ days)
0.00%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.03%
Q1 20250.02%
Q2 20250.02%
Q3 20250.08%
Q4 20250.00%
Q1 20260.00%
Q2 20260.01%
Return on assets
0.87%1.18%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.95%
Q4 20241.01%
Q1 20251.23%
Q2 20251.37%
Q3 20251.45%
Q4 20251.48%
Q1 20261.33%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$53.2M12.87%0.01%1.45%41.6%
Q1 202687$54.2M12.29%0.00%1.33%40.9%
Q4 202587$53.5M12.07%0.00%1.48%41.8%
Q3 202585$53.7M11.64%0.08%1.45%41.8%
Q2 202584$54.7M11.29%0.02%1.37%41.1%
Q1 202581$54.0M10.93%0.02%1.23%40.3%
Q4 202479$53.0M10.68%0.03%1.01%42.7%
Q3 202478$52.2M10.53%0.00%0.95%42.8%
Q2 202476$54.1M9.91%0.00%0.87%42.3%

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).

Capital ratio12.87%
38th
Problem loans0.01%
86th
Net charge-offs-0.02%
88th
Return on assets1.45%
84th
Loans to deposits41.6%
76th
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

Similar-size credit unions in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Consumers CooperativeCredit union Alliance, NE81 out of 100, Strong$52.2M20.6%1.41%vs
Hastings Federal Credit UnionCredit union Hastings, NE93 out of 100, Very strong$52.0M20.8%0.36%vs
Kellogg Midwest Federal Credit UnionCredit union LaVista, NE70 out of 100, Strong$56.4M21.5%1.23%vs
Family Focus Federal Credit UnionCredit union Omaha, NE50 out of 100, Below average$44.0M13.2%3.37%vs
North Platte Union Pacific Employee Credit UnionCredit union North Platte, NE86 out of 100, Very strong$43.4M16.5%0.75%vs
Omaha Douglas Federal Credit UnionCredit union Omaha, NE70 out of 100, Strong$42.9M13.2%1.89%vs

Deposit insurance

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

Yes. Spirit of America Federal Credit Union is a federally insured credit union (NCUA charter #24724). 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 1.5% of shares and deposits ($697K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Spirit of America Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spirit of America Federal Credit Union
Type
Federal credit union
NCUA charter #
24724
RSSD ID
882699
Primary regulator
NCUA
Established
1943
Headquarters
Po Box 5556, Lincoln, NE 68505
Employees
10

Quick answers

Spirit of America Federal Credit Union: common questions

Is Spirit of America Federal Credit Union NCUA insured?

Yes. Spirit of America Federal Credit Union is a federally insured credit union (NCUA charter #24724). 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 America Federal Credit Union's TellerScore?

89 out of 100 (Very 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 America Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lincoln

InstitutionScoreAssetsCapitalProblem loansCompare
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
Countryside BankBank Unadilla, NE90 out of 100, Very strong$118.5M15.2%0.35%vs
Nebraska State Employees Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$36.8M14.0%0.11%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs