Credit Union Safety Analysis
Is Spirit of Alaska Federal Credit Union Safe? Fairbanks, Alaska
Based on its Q2 2026 NCUA 5300 call report, Spirit of Alaska Federal Credit Union has a net worth ratio of 14.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.16%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Spirit of Alaska Federal Credit Union's net worth ratio is 14.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.77%
- Delinquency ratio (60+ days) (Q2 2026): 1.16%
- Return on assets (Q2 2026): 0.51%
- Loan-to-share ratio (Q2 2026): 61.46%
Spirit of Alaska Federal Credit Union (NCUA charter 13583, established 1960) reported $200.5M in assets and 9,209 members for Q2 2026 from Fairbanks, Alaska. It ranks 7 of 8 credit unions in Alaska by total assets. Total assets grew 2.8% from $195.1M on June 30, 2025. It has 140 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 0.35 percentage points from 14.42% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $45.4M of $104.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.16% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.62% for Q1 2026; 14.42% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.88% for Q1 2026; 0.58% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.86% for Q1 2026; 0.73% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 60.19% for Q1 2026; 66.63% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $45.4M
- Commercial loans: $31.4M
- New vehicle loans: $12.4M
- Used vehicle loans: $10.7M
- Other secured non-real estate loans and lines of credit: $3.5M
- Unsecured credit card loans: $1.1M
- Other unsecured loans and lines of credit: $218K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $200.5M | 14.77% | 1.16% | 0.51% | 61.46% |
| March 31, 2026 | $200.8M | 14.62% | 0.88% | 0.86% | 60.19% |
| December 31, 2025 | $199.7M | 14.48% | 0.38% | 0.51% | 59.31% |
| September 30, 2025 | $193.3M | 14.84% | 0.48% | 1.11% | 65.21% |
| June 30, 2025 | $195.1M | 14.42% | 0.58% | 0.73% | 66.63% |
| March 31, 2025 | $196.2M | 14.17% | 0.81% | 1.09% | 67.17% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Spirit of Alaska Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13583) · FFIEC NIC profile (RSSD 234588)
Frequently asked questions
Is Spirit of Alaska Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Spirit of Alaska Federal Credit Union's net worth ratio is 14.77%, above the 7% NCUA threshold for well capitalized.
Is Spirit of Alaska Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Spirit of Alaska Federal Credit Union is a federally insured credit union (NCUA charter 13583): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Spirit of Alaska Federal Credit Union's key safety ratios?
For Q2 2026, Spirit of Alaska Federal Credit Union reports net worth 14.77%, delinquency 1.16%, ROA 0.51%, loan-to-share 61.46%.
What happens to my money if Spirit of Alaska Federal Credit Union fails?
For Q2 2026, Spirit of Alaska Federal Credit Union held $170.4M in shares and deposits for 9,209 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.