ZUnclassifiedEIN: 231469875· Ruling Year: 1945

Spirit Financial Credit Union

Levittown, Pennsylvania

AHealth Score
87A

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Excellent

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org26.05×
Peer Median15.40×
💰
$3.3M
Total Revenue
📊
$2.8M
Total Expenses
🏦
$72.4M
Net Assets
📋
$518K
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+32.5%
Year-over-year change (2022 → 2023)
Net Margin
+16.7%
Revenue minus expenses as % of revenue
Working Capital Ratio
26.05
Net assets divided by total expenses
Liabilities-to-Assets
0.7%
Total liabilities as % of total assets

Filing History

9 filings on record
YearRevenueExpensesAssets
2023$3,335,63832%$2,779,98835%$72,926,4783%
2022$2,517,5273%$2,065,3541%$70,694,6035%
2021$2,444,1346%$2,094,5976%$67,208,9578%
2020$2,314,5529%$1,985,0368%$62,431,72123%
2019$2,132,888371%$1,843,22516%$50,906,7391%
2018$452,99375%$1,583,8101%$50,302,5593%
2017$1,805,5971%$1,601,1575%$48,695,1692%
2016$1,782,4868%$1,531,6884%$47,628,4564%
2015$1,649,261$1,469,557$46,006,959

Frequently Asked Questions

What does Spirit Financial Credit Union do?

Spirit Financial Credit Union is a unclassified nonprofit organization based in Pennsylvania. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Spirit Financial Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Spirit Financial Credit Union has a score of 87/100 (Grade: A). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Spirit Financial Credit Union generate?

Spirit Financial Credit Union reports $3.8M in annual revenue and holds $67.7M in total assets, based on IRS filings.

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