Community Spirit Credit Union

Overview / Commentary
160 Industrial Drive
Lawrenceburg, IN 47025

Community Spirit Credit Union is headquartered in Lawrenceburg and is the 107th largest credit union in the state of Indiana. It is also the 3,770th largest credit union in the nation. It was established in 1937 and as of June of 2019, it had grown to 5 employees and 1,884 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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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

NCUA #65493
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD-0.22%
Return on Equity - YTD-1.41%
Annual Interest Income$248.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$13.0MM$13.4MM
LoansQ2 2019vs Q2 2018$6.3MM$6.4MM
DepositsQ2 2019vs Q2 2018$10.8MM$11.2MM
Equity CapitalQ2 2019vs Q2 2018$2.1MM$2.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$120.00K$156.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$80.00K$180.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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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

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

0.80%--36 Month Share Certificate
0.60%--24 Month Share Certificate
0.50%--12 Month Share Certificate

Community Spirit Credit Union IRA Rates

0.80%--36 Month IRA Certificate
0.60%--24 Month IRA Certificate
0.50%--12 Month IRA Certificate

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

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