American Spirit
American Spirit is a credit union based in Newark, Delaware, established in 1963, with $69 million in total assets serving 12,122 members. By Trust Grade it ranks 11th of 15 credit unions we track in Delaware. Its net worth ratio of 19.0% is stronger than 74% of similarly sized credit unions, versus a Delaware median of 13.7%. It posted a loss over the most recent period (-0.63% return on assets), a point to watch. No consumer complaints against American Spirit appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How American Spirit compares to Delaware peers
How we graded American Spirit
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (19.0% capital ratio)
- Unprofitable over the period (ROA -0.63%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for American Spirit over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at American Spirit insured?
Yes. American Spirit is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
American Spirit: frequently asked questions
Is American Spirit a good credit union?
American Spirit earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Strongly capitalized (19.0% capital ratio); Unprofitable over the period (ROA -0.63%).
Is American Spirit NCUA-insured?
Yes. American Spirit is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is American Spirit?
American Spirit holds $69 million in total assets, ranking 11th of 15 credit unions we track in Delaware. It serves 12,122 members.
Does American Spirit have CFPB complaints?
No CFPB complaints against American Spirit appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
