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AMERICAN SPIRIT FEDERAL CREDIT UNION

Jun, 30, 2023 — AMERICAN SPIRIT FEDERAL CREDIT UNION is a federal credit union headquartered in NEWARK, DE with 3 branch locations and about $78.44 million in total assets. Opened 61 years ago in 1963, AMERICAN SPIRIT FEDERAL CREDIT UNION has about 13,238 members and employs 16 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:https://www.americanspirit.org
Branches:3 branch locations
Members:13,238
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$78,442,051
CEO/Manager:Maurice Dawkins
Chairperson:Melvin Phillips

Call Report

  • Credit Builder
  • Payday Alternative Loans (PAL Loans)
  • First Time Homebuyer Program
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,803,663
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 20,513,555
 Unsecured Loans 3,548,073
 Other Loans 4,515,005
 TOTAL LOANS 33,523,669
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -605,727
 Land And Building 1,744,336
 Other Fixed Assets 15,234
 NCUSIF Deposit 710,574
 All Other Assets 0
  TOTAL ASSETS 78,442,051
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 3,058,301
 Accounts Payable & Other Liabilities 71,055
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 15,881,950
 Regular shares 32,752,006
 All Other Shares & Deposits 22,065,998
  TOTAL SHARES & DEPOSITS 70,699,954
  TOTAL LIABILITIES 73,829,310
 Regular Reserve 0
 Other Reserves -7,035,399
 Undivided Earnings 11,648,140
  TOTAL EQUITY 4,612,741
  TOTAL LIABILITIES, SHARES, & EQUITY 78,442,051
INCOME & EXPENSE  
 Loan Income 1,330,483
 Investment Income 483,042
 Other Income 313,272
 Total Employee Compensation & Benefits 513,109
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,539,872
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 187,781
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 612,304
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