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AMERICAN SPIRIT FEDERAL CREDIT UNION

Jun, 30, 2021 — AMERICAN SPIRIT FEDERAL CREDIT UNION is a federal credit union headquartered in NEWARK, DE with 3 branch locations and about $82.97 million in total assets. Opened 58 years ago in 1963, AMERICAN SPIRIT FEDERAL CREDIT UNION has about 13,264 members and employs 17 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:13,264
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:$82,974,474
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 1,543,144
TOTAL INVESTMENTS 45,396,299
Loans Held for Sale 0
 
 Real Estate Loans 22,873,007
 Unsecured Loans 4,665,466
 Other Loans 2,476,090
 TOTAL LOANS 30,862,730
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -777,514
 Land And Building 1,836,272
 Other Fixed Assets 27,998
 NCUSIF Deposit 661,718
 All Other Assets 3,423,827
  TOTAL ASSETS 82,974,474
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 277,426
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 15,009,669
 Regular shares 32,735,410
 All Other Shares & Deposits 24,478,847
  TOTAL SHARES & DEPOSITS 72,223,926
  TOTAL LIABILITIES 72,501,352
 Regular Reserve 2,348,336
 Other Reserves -41,311
 Undivided Earnings 8,166,097
  TOTAL EQUITY 10,473,122
  TOTAL LIABILITIES, SHARES, & EQUITY 82,974,474
INCOME & EXPENSE  
 Loan Income 836,770
 Investment Income 281,775
 Other Income 191,998
 Total Employee Compensation & Benefits 400,830
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 891,127
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 139,279
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 452,024
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