# SPIRIT OF ALASKA
Fairbanks, AK · NCUA charter 13583 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spirit-of-alaska-13583

Who the members are: federal charter, multiple common bond, organized 1960. 9,231 members of 175,000 potential (5.3% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $200.8M |
| Members | 9,231 (-1.6% YoY) |
| Full-time staff | 42 |
| Net worth | $29.4M |
| Net worth ratio | 14.6% (p87 of band) |
| ROA (annualized) | 0.86% (p63 of band) |
| Total delinquency | 0.88% (p73 of band) |
| Net charge-offs (annualized) | 0.08% (p12 of band) |
| Loans / shares | 60% (p21 of band) |
| Cash / assets | 36.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p84 of band) |
| Operating expense / assets | 4.22% (p72 of band) |
| Vehicles % of loans | 25% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 68% (p47 of band) |
| Vehicle delinquency | 1.55% (p89 of band) |
| Vehicle NCO | 1.13% (p75 of band) |
| Repossessed % of vehicle book | 0.03% (p57 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 10% |
| Average share balance | $9,320 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $12.6M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $36,573 |
| Loans granted, annualized | $25.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $12.6M outstanding purchased (43.0% of net worth), $29,362 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | net worth falling, delinquency rising | delinquency 2x band |
| 2017-06 | 3 | delinquency 2x band, 3rd-party paper>100% NW | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 1 |  | delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 | net worth falling | delinquency 2x band |
| 2020-12 | 4 | delinquency 2x band |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 | members leaving | net worth falling, delinquency 2x band |
| 2021-12 | 1 |  | margin squeeze, members leaving |
| 2022-03 | 3 | net worth falling, delinquency 2x band |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 1 |  | delinquency 2x band |
| 2023-09 | 2 | delinquency rising, assets shrinking | 3rd-party paper>100% NW |
| 2023-12 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | members leaving | 3rd-party paper>100% NW |
| 2025-09 | 0 |  | members leaving |
| 2025-12 | 1 | loan book shrinking |  |
| 2026-03 | 0 |  | loan book shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-06-24 [Alaska Credit Union League Donates $15,000 to Upper Susitna Food Pantry - Alaska Business Magazine](https://news.google.com/rss/articles/CBMisgFBVV95cUxQVi1sZE15V3RqSFg1Y09GbS1nMEd0WEpDMEljODFrU21aSkZUT1dIdFhMLVpBMWFIODhOcWNWdXFnVEVidkRCQzBsaWdmRERCMEhUeExPaktrU0FEZ0ZRTFVCX043V1NhT2tqc1p3WWg2ZXIzRWplVElLNzJ1Rzd6N3B6dE9YSjg3QTFkTl9Vb1ZZdU5EVWdtcjVlMWdXYTN5SVBNSHVlajItazFwTnJaOXVB?oc=5) · Alaska Business Magazine
- 2023-01-19 [What's in a name? Alaska USA Federal Credit Union will become Global Federal Credit Union in April - Must Read Alaska](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNWURrS3VtNGl0ZDk4aGRkQlFia3JpdU12ZFdXbndRTjIwS2g5cGhTRmpwcnhXRlM5WjJSV016ZHBla2tUeHl3d2tqQWlkUnJmUnRSNXR2UllIcXZXSE50dHJJTlRpMW5vcFE0S1gwSnA1OF9yU1c1SHZtaE9ZcnFrSmptWUJTYlA5S25SLUlXWTdYeVIwTjQ4VzdoQlBEVWNVMW4wS1RpZXdsM3BkRjBMaC1DMzJrOWladzhZQXVjeEM0Zw?oc=5) · Must Read Alaska
- 2019-12-19 [Fairbanks woman charged with September credit union robbery - KTVF Fairbanks](https://news.google.com/rss/articles/CBMivwFBVV95cUxPbjRzRDJHQ3dmQVV0M2VSd1RRaW8yM0Y4ZDFqNGtmZEFPV1lQMklXRS1lMXpyZlBHZHgyR19qYWpwZmlPVm84SXo1NHRwVThTQlBacGtObVFGM3g0SENORHp2NlNEOFJ2amkyMGZnVWx6VVdsNXhZWkxHSEczX0xoVmZsSDdWOVA5SkpCQ1RDOGFNOVcwT1RzME9wc3NHOVpFdDNraVA4MFo0STZBTGFFUkljUU50bVFlMUcwcjV1QQ?oc=5) · KTVF Fairbanks
- 2026-02-13 [2026 Alaska Top Forty Under 40 announced - Anchorage Daily News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNFlmc3NvYkFoSWJWVXF4YWVWUzZaR29XemE1aWo2bWFsN3puOU1QNzlCYUZpT1BtR3VIV2pTcXhPTUduNWdwX0g3cVdwelZ0QVFCZGdSTFRVV2dxcWpuX3pxZjRrdjcwb1Z6ZnFUdWVOU0FCTWNGVUJRVkhzMkhBQkl0bFV5NEpRZGxqWnNmanM?oc=5) · Anchorage Daily News
- 2024-12-23 [Making Change: How Financial Institutions Empower Communities - Alaska Business Magazine](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9ncjVLSi1wRTlWWHVyaHB4a0U5cjNVZXFqcG9aeTJLc1VtVVBOX3ZaZ0VROVpqLXdyOGFhMTR5R09YYzZBaGZmMGJMMVpWV2FRYjN6QWh3ZjAwZm1rcmhUSDFDVjF5QQ?oc=5) · Alaska Business Magazine
- 2025-05-28 [Robert Kinnard Obituary (1959 - 2025) - Fairbanks, AK - Daily News-Miner - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdWVCZ1dENm82SEpFdTRibDVlc2VWNUs0YXR4MktPclc4SXdVVXU2V0FDdUVBQUhmYVF3Qk1RT2R0cjhDWTRRZEZSdWFvQ2xqVU1TY0xGNHdTa0ZYMW5zSTVJdTZ0TURyM3NvWHBpM01YaXh5RndRSEs3dll2VlVPT3U2XzB2cGFtMWR6cjFpUmU?oc=5) · legacy.com
- 2026-08-14 [Alaska’s 2026 Farm Family of the Year Award Goes to Anchor Point Greenhouse - Must Read Alaska](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcUh4bzlZd09kSlFnRHBLOWtualdqdlpNZUdXaU5tVnZHOWQxYjJ0aVl1aUJSWXdrUDllczVFc09tb1gycU9sSUhHOE1IWGdkMWpOWFJYdEFUeVFGMWotaHJ0dzNqM2ZIX2hfb1lIdldQalVxbTVxRXQxendHYnR5RTBudEpSV3dCYnE0MlBydXgzZ1ZGbUdjY3RfVkJOcEZXZkxZZg?oc=5) · Must Read Alaska
- 2026-08-07 [Anchor Point Greenhouse Chosen as 2026 Farm Family of the Year - Alaska Business Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcUY4a0wtY2d6aWtnanZKZndiU0ktNFFXd0NrNU81a0R0VTFIVHpHY2xUTXlWVnhEa1d0RGk2SHNRSHZTUGpVMjFKZFZ6TzNVNkRYOXJQWmVWdXVLTFdLM1ZNcTMzQ0NUUXhNMnN2amp5aTF1QVZXbnI2ZFdiaDNBUTJuSEdZRTJqNnNzU3VMMjNaMnpJSEtLUg?oc=5) · Alaska Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13583 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/15.json (key "13583", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13583
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide