Overview / Commentary
812-537-0928
160 Industrial Drive
Lawrenceburg, IN 47025

Community Spirit Credit Union is headquartered in Lawrenceburg and is the 108th largest credit union in the state of Indiana. It is also the 3,785th largest credit union in the nation. It was established in 1937 and as of September of 2018, it had grown to 5 employees and 1,944 members at 1 location. Community Spirit Credit Union has a B health rating.

Field of Membership Restrictions

Community Spirit CU is open to the residents and people that maintain employment in the Ohio Township of Dearborn and the Counties of Ripley and Switzerland, along with the employees of Joseph E. Seagram & Sons and their family members.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Community Spirit Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65493
Year Chartered1937
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD-0.85%
Return on Equity - YTD-5.25%
Annual Interest Income$368.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$13.3MM$13.9MM
LoansQ3 2018vs Q3 2017$6.3MM$7.0MM
DepositsQ3 2018vs Q3 2017$10.9MM$11.5MM
Equity CapitalQ3 2018vs Q3 2017$2.2MM$2.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$145.00K$136.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$121.00K$201.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Spirit Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--IRA Share
0.40%*$40k*-Regular Share
OTHER TIERS: 0.10% $5 - $10k | 0.15% $10k - $20k | 0.30% $20k - $40k
0.40%*$40k*-Kid's Club
OTHER TIERS: 0.10% $5 - $10k | 0.15% $10k - $20k | 0.30% $20k - $40k
0.15%--Christmas Club

Community Spirit Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%--36 Month Share Certificate
0.60%--24 Month Share Certificate
0.50%--12 Month Share Certificate

Community Spirit Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%--36 Month IRA Certificate
0.60%--24 Month IRA Certificate
0.50%--12 Month IRA Certificate
Locations


Community Spirit Credit Union Locations
Branch Office160 Industrial DrLawrenceburg, IN 47025-1116

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