Credit union · NCUA insured
American Spirit Federal Credit Union
A $69.5M credit union headquartered in Newark, DE, with 12,122 members and 3 branches in Delaware. Best rates: CDs 4.01% and savings 0.05% APY.
American Spirit Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#50 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About American Spirit Federal Credit Union
- Headquarters
- 1110 Elkton Rd, Newark, DE 19711
- NCUA charter
- 15426
Branches
3 branches in Delaware
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Delaware
3 branches
Philadelphia area · 2
- 1110 Elkton RdMain office1110 Elkton Rd, Newark, DE 19711Directions
- American Spirit - Middletown98 Sandhill Dr, Middletown, DE 19709Directions
Dover area · 1
- American Spirit - Dover58 Carver Rd, Dover, DE 19904Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.12% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 5.44% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $34 | $59 | — |
- CapitalNet worth ratio19.12%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late5.44%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$34Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of American Spirit Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.