Credit unions · Nebraska · Q2 2026

Spirit of America FCU

Credit union in Lincoln, NE · NCUA charter #24724 · Federal charter

Legal name: Spirit of America

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets	$53.2M
Total loans & leases	$19.1M
Total shares & deposits	$46.0M
Members	3,540
Net worth	$6.8M
Net worth / assets	12.87%
Loans / assets	36.01%
Return on assets (annualized)	1.45%
Loan growth (YoY)	−3.67%
Member growth (YoY)	−4.48%
Delinquency, all loans (60+ days)	0.01%

Charter	Federal charter
Asset band	$50M–$250M
NCUA peer group	$50M–$100M
Sponsor type	Government

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, bill payment, account aggregation, e-Statements, external transfers / ACH, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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