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AMERICAN SPIRIT FEDERAL CREDIT UNION

Mar, 31, 2021 — AMERICAN SPIRIT FEDERAL CREDIT UNION is a federal credit union headquartered in NEWARK, DE with 3 branch locations and about $81.53 million in total assets. Opened 58 years ago in 1963, AMERICAN SPIRIT FEDERAL CREDIT UNION has about 13,236 members and employs 18 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 231176787
Name:AMERICAN SPIRIT FEDERAL CREDIT UNION
Address:
(Main Office)
1110 ELKTON RD
NEWARK, DE 19711
Phone:(302) 738-4515
Fax:(302) 738-4562
Website:http://www.americanspirit.org
Branches:3 branch locations
Members:13,236
Credit Union Type:Federal Credit Union
Charter Number:15426
Membership Type:Multiple common bond - Primarily other manufacturing
Corporate Credit Union:No
Year Opened:1963
Last Audited:Dec 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$81,526,538
CEO/Manager:Maurice Dawkins
Chairperson:Melvin Phillips

Call Report

  • Commercial Loans
  • Credit Builder
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • In-School Branches
  • Insurance/Investment Sales
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,258,208
TOTAL INVESTMENTS 44,433,975
Loans Held for Sale 0
 
 Real Estate Loans 22,877,629
 Unsecured Loans 4,523,494
 Other Loans 2,368,487
 TOTAL LOANS 30,577,309
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -766,344
 Land And Building 1,854,659
 Other Fixed Assets 28,363
 NCUSIF Deposit 661,718
 All Other Assets 1,478,650
  TOTAL ASSETS 81,526,538
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 412,605
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 15,353,996
 Regular shares 32,084,430
 All Other Shares & Deposits 23,935,423
  TOTAL SHARES & DEPOSITS 71,373,849
  TOTAL LIABILITIES 71,786,454
 Regular Reserve 2,348,336
 Other Reserves -560,247
 Undivided Earnings 7,951,995
  TOTAL EQUITY 9,740,084
  TOTAL LIABILITIES, SHARES, & EQUITY 81,526,538
INCOME & EXPENSE  
 Loan Income 411,836
 Investment Income 133,809
 Other Income 95,334
 Total Employee Compensation & Benefits 198,850
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 422,474
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 70,286
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 237,922
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