Sep, 30, 2025 — SPIRIT FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in LEVITTOWN, PA with 1 branch location and about $69.04 million in total assets. Opened 73 years ago in 1953, SPIRIT FINANCIAL CREDIT UNION has about 3,794 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SPIRIT FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 8535 New Falls Rd LEVITTOWN, PA 19054-1601 |
| Phone: | (267) 580-0230 |
| Fax: | (267) 580-0239 |
| Website: | https://www.spiritfinancialcu.org |
| Branches: | 1 branch locations |
| Members: | 3,794 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60369 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $69,044,100 |
| CEO/Manager: | David Obarowski |
| Chairperson: | Shirley Turner |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,680,563 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 24,203,342 |
| Unsecured Loans | 2,938,697 |
| Other Loans | 3,670,138 |
| TOTAL LOANS | 30,812,177 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -302,377 |
| Land And Building | 2,354,778 |
| Other Fixed Assets | 125,128 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 567,431 |
| All Other Assets | 0 |
| TOTAL ASSETS | 69,044,100 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 285,578 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,836,104 |
| Regular shares | 25,755,866 |
| All Other Shares & Deposits | 25,138,529 |
| TOTAL SHARES & DEPOSITS | 59,730,501 |
| TOTAL LIABILITIES | 60,019,659 |
| Regular Reserve | 0 |
| Other Reserves | 864,799 |
| Undivided Earnings | 8,159,642 |
| TOTAL EQUITY | 9,024,441 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 69,044,100 |
| INCOME & EXPENSE | |
| Loan Income | 1,479,840 |
| Investment Income | 820,872 |
| Other Income | 190,868 |
| Total Employee Compensation & Benefits | 526,019 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 916,823 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 106,628 |
| Cost of Funds | 763,421 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 365,128 |
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