Levittown, Pennsylvania · Peer group 4
Spirit Financial Credit Union
Spirit Financial Credit Union holds $68.8M in assets across 3,725 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1953. Charter number 60369, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $68.8M |
|---|---|
| Total loans | $30.5M |
| Total shares (deposits) | $59.5M |
| Net worth | $9.0M |
| Members | 3,725 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.8% | |
|---|---|---|
| Loans | -9.0% | around the 11th percentile of its peer group |
| Deposits | -1.0% | around the 27th percentile of its peer group |
| Members | -6.4% | lower than 90% 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 | 51.3% | around the 32nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.1% | around the 53rd percentile of its peer group |
| Return on assets | -0.36% | lower than 93% of its peer group |
| Delinquency ratio | 0.94% | around the 69th percentile of its peer group |
| Cash / assets | 4.3% | lower than 92% 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 Spirit Financial 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 Pennsylvania — the comparison set a peer ratio is measured against.
- Titan Credit Union
Pleasant Gap, PA
$68.9M · 4,510 members
- Access Credit Union
BRISTOL, PA
$69.2M · 4,099 members
- Friendly Credit Union
Aliquippa, PA
$68.3M · 4,472 members
- Wheatland Credit Union
LANCASTER, PA
$70.0M · 4,926 members
- Upper Darby Belltelco Credit Union
UPPER DARBY, PA
$71.3M · 3,545 members
- Sru Credit Union
Slippery Rock, PA
$66.2M · 4,449 members
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