credit union

Spirit Of America

Lincoln, NE · Est. 1943
A
Trust Grade
Excellent
Score: 98/100

Spirit Of America is a credit union based in Lincoln, Nebraska, established in 1943, with $54 million in total assets serving 3,542 members. By Trust Grade it ranks 11th of 50 credit unions we track in Nebraska. Its net worth ratio of 12.3% trails most similarly sized credit unions (35th percentile), versus a Nebraska median of 12.5%. It was profitable over the most recent period, with a 1.33% return on assets. No consumer complaints against Spirit Of America appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$54.2M
<$100M institution
Members
3,542
Shares & deposits
—
Net worth ratio
12.3%
Bottom 35% of <$100M peers · Nebraska median 12.5%
Return on assets
1.3%
Top 19% of <$100M peers · Nebraska median 0.79%
Rank in Nebraska
#11
of 50 credit unions

How Spirit Of America compares to Nebraska peers

Net worth ratio
Bottom 35% of <$100M peers
Spirit Of
12.3%
Nebraska median
12.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 19% of <$100M peers
Spirit Of
1.3%
Nebraska median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Spirit Of America

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.3% capital ratio)
  • Strongly profitable (ROA 1.33%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Spirit Of America over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Spirit Of America insured?

Yes. Spirit Of America 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.

Spirit Of America: frequently asked questions

Is Spirit Of America a good credit union?

Spirit Of America earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.3% capital ratio); Strongly profitable (ROA 1.33%).

Is Spirit Of America NCUA-insured?

Yes. Spirit Of America 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 Spirit Of America?

Spirit Of America holds $54 million in total assets, ranking 11th of 50 credit unions we track in Nebraska. It serves 3,542 members.

Does Spirit Of America have CFPB complaints?

No CFPB complaints against Spirit Of America appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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Hastings
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North Platte Union Pacific Employee
credit union · North Platte, NE · $43M assets
Omaha Douglas
credit union · Omaha, NE · $43M assets

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.

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