Newark, Delaware · Peer group 4
American Spirit Credit Union
American Spirit Credit Union holds $69.5M in assets across 12,122 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1963. Charter number 15426, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $69.5M |
|---|---|
| Total loans | $20.9M |
| Total shares (deposits) | $60.8M |
| Net worth | $13.2M |
| Members | 12,122 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.1% | |
|---|---|---|
| Loans | -21.0% | lower than 99% of its peer group |
| Deposits | 1.0% | around the 44th percentile of its peer group |
| Members | 0.2% | around the 69th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 34.4% | lower than 92% of its peer group |
|---|---|---|
| Net worth ratio | 19.0% | around the 88th percentile of its peer group |
| Return on assets | -0.62% | lower than 96% of its peer group |
| Delinquency ratio | 5.82% | higher than 100% of its peer group |
| Cash / assets | 6.4% | around the 20th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is American Spirit Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Delaware — the comparison set a peer ratio is measured against.
- Eagle One Credit Union
Claymont, DE
$93.9M · 9,575 members
- Edu Credit Union
New Castle, DE
$44.1M · 8,036 members
- New Castle County Delaware Em Credit Union
NEW CASTLE, DE
$32.1M · 2,359 members
- Priority Plus Credit Union
WILMINGTON, DE
$22.9M · 1,922 members
- Wilmington Police & Fire Credit Union
Wilmington, DE
$13.8M · 3,949 members
- Provident Credit Union
DOVER, DE
$12.0M · 1,621 members
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