AMERICAN SPIRIT
Federal • NEWARK, Delaware • Est. 1963
Quick Facts
- Charter Number
- #15426
- Type
- Federal
- Established
- 1963
- Headquarters
- NEWARK, Delaware 19711
- Address
- 1110 ELKTON RD
- Branches
- 5
- Members
- 12,117
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
12,117 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AMERICAN SPIRIT |
|---|---|
| Total Assets | $70.7M |
| Members | 12,117 |
| Loans Outstanding | $23.2M |
| Shares & Deposits | $61.7M |
| Net Worth | $13.3M |
| Net Worth Ratio | 18.83% |
| Loan-to-Share Ratio | 37.5% |
| Delinquency Rate | 4.02% |
| Net Income | +$527,274 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations
1110 Elkton Rd
Main Office1110 Elkton Rd
Newark, DE 19711
Disaster Recovery
5425 E. Raines Rd
Memphis, TN 38115
Vital Records
2650 Thousand Oaks Blvd Ste 1120
Memphis, TN 38118
American Spirit - Dover
58 Carver Rd
Dover, DE 19904
American Spirit - Middletown
98 Sandhill Dr
Middletown, DE 19709-5853
Who Can Join AMERICAN SPIRIT?
Membership Type: Community
Membership eligibility for AMERICAN SPIRIT may vary. Contact the credit union directly to confirm qualification requirements.
Contact AMERICAN SPIRIT directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Delaware
Browse all federally insured credit unions in Delaware, ranked by assets, members, and financial health score.
View Delaware RankingsFrequently Asked Questions
Yes. AMERICAN SPIRIT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, AMERICAN SPIRIT has 12,117 members and a potential membership field of 67,602 people.
AMERICAN SPIRIT's net worth ratio is 18.83% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 18.8%, AMERICAN SPIRIT meets this threshold.
AMERICAN SPIRIT operates 5 branch locations. The main office is located at 1110 Elkton Rd, Newark, DE 19711.
AMERICAN SPIRIT was established in 1963. It is a federal credit union chartered under charter number 15426. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or AMERICAN SPIRIT. All financial data is for informational purposes only.