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
- 12,122
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
This institution does not meet CUScore's minimum D-tier combination of net worth and delinquency metrics. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
12,122 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AMERICAN SPIRIT |
|---|---|
| Total Assets | $69.5M |
| Members | 12,122 |
| Loans Outstanding | $20.9M |
| Shares & Deposits | $60.8M |
| Net Worth | $13.2M |
| Net Worth Ratio | 18.99% |
| Loan-to-Share Ratio | 34.4% |
| Delinquency Rate | 5.82% |
| Net Income | $-108,544 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Delaware RankingsFrequently Asked Questions
AMERICAN SPIRIT is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, AMERICAN SPIRIT has 12,122 members and a potential membership field of 67,602 people.
AMERICAN SPIRIT's reported net worth ratio is 18.99% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or AMERICAN SPIRIT. All financial data is for informational purposes only.