American Spirit Federal Credit Union
American Spirit Federal Credit Union is headquartered in Newark and is the 9th largest credit union in the state of Delaware. It is also the 2,135th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 12 employees and 12,102 members at 3 locations. American Spirit Federal Credit Union has a C+ health rating.
Field of Membership Restrictions
Membership in American Spirit Federal Credit Union is open to those who live, work, worship, or attend school in, and businesses and other legal entities in the Delaware cities of Newark, Dover, or Middletown.
See current membership details
American Spirit Credit Union - Shit Show
The Dover branch has turned into a complete shit show...I have tried reaching the Newark and Middletown branch and the same result...Cluck Fuster.
Since Ms. Marie left the Dover branch, the customer service is horrendous. I am seriously thinking of moving my account to another local credit union.
I am extremely disappointed as I have been a longtime account holder...since 2004.
My account has been hacked 3 times in the last 3 months and their since of urgency is nil to none...meanwhile I am racking up late fees & NSF charges...still don't have the expedited ATM card that was ordered on the 19th...mind you the rep wanted to charge me $60.00 for expediting the card.
RIDICULOUS!!!
Cheryl Rowe
American Spirit Federal Credit Union
I have been a member of this credit union for over 25 years. I have watched it get worse and worse. The topper is when they locked my account on a holiday weekend and there was no one to get hold of to unlock the account or let me know what was going on. They did this to me once before so i was prepared this time. The real problem is not that they locked the account but the fact that their was not a human I could talk to or ways to get at the funds. I still have accounts their but the balances will remain very minimal with very little use.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 15426 |
| Year Chartered | 1963 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.66% |
| Return on Equity - YTD | 6.44% |
| Annual Interest Income | $637K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $71.7MM$76.1MM |
| Loans | Q1 2025vs Q1 2024 | $26.4MM$31.5MM |
| Deposits | Q1 2025vs Q1 2024 | $60.1MM$63.8MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.4MM$5.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $745K$770K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1MM$602K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |