SPIRIT OF AMERICA
Federal • LINCOLN, Nebraska • Est. 1943
Quick Facts
- Charter Number
- #24724
- Type
- Federal
- Established
- 1943
- Headquarters
- LINCOLN, Nebraska 68505-0556
- Address
- PO BOX 5556
- Branches
- 2
- ATMs
- 1
- Members
- 3,584
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,584 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SPIRIT OF AMERICA |
|---|---|
| Total Assets | $53.5M |
| Members | 3,584 |
| Loans Outstanding | $19.5M |
| Shares & Deposits | $46.6M |
| Net Worth | $6.5M |
| Net Worth Ratio | 12.07% |
| Loan-to-Share Ratio | 41.8% |
| Delinquency Rate | 0.00% |
| Net Income | +$798,547 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Credit Union
Main Office325 N 52nd St
Lincoln, NE 68504-3507
Visifi
375 Riverside Pkwy
Lithia Springs, GA 30122-3891
Who Can Join SPIRIT OF AMERICA?
Membership Type: Community
Membership eligibility for SPIRIT OF AMERICA may vary. Contact the credit union directly to confirm qualification requirements.
Contact SPIRIT OF AMERICA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Nebraska RankingsFrequently Asked Questions
Yes. SPIRIT OF AMERICA 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, SPIRIT OF AMERICA has 3,584 members and a potential membership field of 18,000 people.
SPIRIT OF AMERICA's net worth ratio is 12.07% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.1%, SPIRIT OF AMERICA meets this threshold.
SPIRIT OF AMERICA operates 2 branch locations and has access to 1 ATMs. The main office is located at 325 N 52nd St, Lincoln, NE 68504-3507.
SPIRIT OF AMERICA was established in 1943. It is a federal credit union chartered under charter number 24724. The institution has been serving members for 83 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SPIRIT OF AMERICA. All financial data is for informational purposes only.