Civic Intelligence

Spirit Financial Credit Union

EIN 23-1469875 • 501(c)14 • Levittown, PA

View Organization Page

Profile

Providing low cost financial services to members.

8535 New Falls RoadLevittown, PA 19054

spiritfinancialcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

2nd percentile

0.00x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

3rd percentile

0.07x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

49th percentile

12%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

97th percentile

$493,988

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 13.2% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

13th percentile

-3.6%

Faster asset growth than 13% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

15th percentile

-0.4%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Down

$67,711,085

Down $2,550,533 (-3.6%) from 2024

Liabilities

Down

$261,128

Down $71,735 (-22%) from 2024

Net Assets

Down

$67,449,957

Down $2,478,798 (-3.5%) from 2024

Operations
Liabilities / Revenue3rd percentileNet Margin49th percentile

Revenue

Down

$3,751,020

Down $13,944 (-0.4%) from 2024

Expenses

Down

$3,316,246

Down $685,166 (-17%) from 2024

Net Income

Up

$434,774

Up $671,222 (+284%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0-$20MAssets 2010: $41,556,691Liabilities 2010: $116,715Net Assets 2010: $41,439,9762010Assets 2011: $43,157,051Liabilities 2011: $91,887Net Assets 2011: $43,065,1642011Assets 2012: $44,845,413Liabilities 2012: $31,758Net Assets 2012: $44,813,6552012Assets 2013: $46,236,287Liabilities 2013: $39,135Net Assets 2013: $46,197,1522013Assets 2014: $46,120,140Liabilities 2014: $63,790Net Assets 2014: $46,056,3502014Assets 2015: $46,006,959Liabilities 2015: -$122,275Net Assets 2015: $46,129,2342015Assets 2016: $47,628,456Liabilities 2016: $376,109Net Assets 2016: $47,252,3472016Assets 2017: $48,695,169Liabilities 2017: $545,793Net Assets 2017: $48,149,3762017Assets 2018: $50,302,559Liabilities 2018: $315,520Net Assets 2018: $49,987,0392018Assets 2019: $50,906,739Liabilities 2019: $326,671Net Assets 2019: $50,580,0682019Assets 2020: $62,431,721Liabilities 2020: $633,896Net Assets 2020: $61,797,8252020Assets 2021: $67,208,957Liabilities 2021: $364,340Net Assets 2021: $66,844,6172021Assets 2022: $70,694,603Liabilities 2022: $375,628Net Assets 2022: $70,318,9752022Assets 2023: $72,926,478Liabilities 2023: $517,800Net Assets 2023: $72,408,6782023Assets 2024: $70,261,618Liabilities 2024: $332,863Net Assets 2024: $69,928,7552024Assets 2025: $67,711,085Liabilities 2025: $261,128Net Assets 2025: $67,449,9572025

Highlighted filing

2025

Assets$67,711,085
Liabilities$261,128
Net Assets$67,449,957
Open 2025 Filing

Operations Trend

Revenue Growth15th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,900,9972010Expenses 2011: $1,680,2082011Expenses 2012: $1,571,8242012Revenue 2013: $1,667,415Expenses 2013: $1,488,549Net Income 2013: $178,8662013Revenue 2014: $1,696,206Expenses 2014: $1,557,103Net Income 2014: $139,1032014Revenue 2015: $1,649,261Expenses 2015: $1,469,557Net Income 2015: $179,7042015Revenue 2016: $1,782,486Expenses 2016: $1,531,688Net Income 2016: $250,7982016Revenue 2017: $1,805,597Expenses 2017: $1,601,157Net Income 2017: $204,4402017Revenue 2018: $452,993Expenses 2018: $1,583,810Net Income 2018: -$1,130,8172018Revenue 2019: $2,132,888Expenses 2019: $1,843,225Net Income 2019: $289,6632019Revenue 2020: $2,314,552Expenses 2020: $1,985,036Net Income 2020: $329,5162020Revenue 2021: $2,444,134Expenses 2021: $2,094,597Net Income 2021: $349,5372021Revenue 2022: $2,517,527Expenses 2022: $2,065,354Net Income 2022: $452,1732022Revenue 2023: $3,335,638Expenses 2023: $2,779,988Net Income 2023: $555,6502023Revenue 2024: $3,764,964Expenses 2024: $4,001,412Net Income 2024: -$236,4482024Revenue 2025: $3,751,020Expenses 2025: $3,316,246Net Income 2025: $434,7742025

Highlighted filing

2025

Revenue$3,751,020
Expenses$3,316,246
Net Income$434,774
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$67,711,085
Liabilities
$261,128
Net assets
$67,449,957
Revenue
$3,751,020
Expenses
$3,316,246
Net income
$434,774
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$67.7$0.26$67.4$3.75$3.32$0.43
2024Detailed filing. Detailed filing data is available for this year.$70.3$0.33$69.9$3.76$4.00$0.24
2023Detailed filing. Detailed filing data is available for this year.$72.9$0.52$72.4$3.34$2.78$0.56
2022Detailed filing. Detailed filing data is available for this year.$70.7$0.38$70.3$2.52$2.07$0.45
2021Detailed filing. Detailed filing data is available for this year.$67.2$0.36$66.8$2.44$2.09$0.35
2020Detailed filing. Detailed filing data is available for this year.$62.4$0.63$61.8$2.31$1.99$0.33
2019Detailed filing. Detailed filing data is available for this year.$50.9$0.33$50.6$2.13$1.84$0.29
2018Summary only. Only limited summary data is available for this year.$50.3$0.32$50.0$0.45$1.58$1.13
2017Summary only. Only limited summary data is available for this year.$48.7$0.55$48.1$1.81$1.60$0.20
2016Summary only. Only limited summary data is available for this year.$47.6$0.38$47.3$1.78$1.53$0.25
2015Detailed filing. Detailed filing data is available for this year.$46.0$0.12$46.1$1.65$1.47$0.18
2014Detailed filing. Detailed filing data is available for this year.$46.1$0.06$46.1$1.70$1.56$0.14
2013Detailed filing. Detailed filing data is available for this year.$46.2$0.04$46.2$1.67$1.49$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.8$0.03$44.8$1.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.2$0.09$43.1$1.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.6$0.12$41.4$1.90
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 27, 2026
Return Version
2025v4.0
Gross Receipts
$3,751,020
Mission and Program Overview

Mission

Providing low cost financial services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$61,269,443$58,355,871▼ $2,913,572
Investments Program Related$27,653,817$30,274,201▲ $2,620,384
Other Notes and Loans Receivable, Net$34,430,825$29,401,056▼ $5,029,769
Rtn Earn Endowment Incm Other Fnds$8,659,312$9,094,086▲ $434,774
Savings and Temporary Cash Investments$3,945,023$3,489,893▼ $455,130
Land, Buildings, and Equipment, Net$2,544,450$2,458,633▼ $85,817
Accounts Receivable$245,039$824,566▲ $579,527
Cash and Non-Interest-Bearing Accounts$827,692$655,044▼ $172,648
Prepaid Expenses and Deferred Charges$614,772$607,692▼ $7,080
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$70,261,618$67,711,085▼ $2,550,533
Liabilities
Accounts Payable and Accrued Expenses$332,863$261,128▼ $71,735
Total Liabilities$332,863$261,128▼ $71,735
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,928,755$67,449,957▼ $2,478,798
Total Liabilities and Net Assets / Fund Balance$70,261,618$67,711,085▼ $2,550,533

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$30,274,201--
Buildings$1,825,010$382,369$0
Other Land Buildings$0$0$0
Land$518,924-$0
Equipment$114,699$826,679$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David ObarowskiCEOFT$198,953$48,041$246,994
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,427,879
Investment Income
$1,323,141
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$434,774
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,356,717
Salaries, Compensation, and Employee Benefits$959,529
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,001,098
Information Technology---$532,135
Other Salaries and Wages---$460,378
Current Officers, Directors, Trustees, and Key Employees---$246,994
Pension Plan Contributions---$130,061
Occupancy---$100,389
Depreciation Depletion---$89,427
Office Expenses---$84,966
Other Employee Benefits---$73,909
Advertising---$59,156
Other Expenses---$52,541
Payroll Taxes---$48,187
Insurance---$28,363
Travel---$23,260
Total Functional Expenses$0$0$0$3,316,246
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Shirley Turner and John Turner are husband and wife.”

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

Form 990, Part VI, Section A, Line 7A

“The credit union's members have the power to elect and appoint the governing body.”

Form 990, Part VI, Section A, Line 7B

“The Board of Directors cannot change names, charter or ownership interest without a member vote.”

Form 990, Part VI, Section B, Line 11B

“All financial information is reviewed by the Board of Directors.”

Form 990, Part VI, Section B, Line 12C

“The credit union engages an outside audit firm to perform an annual review of the safety and soundness concerns and the adherence to current policies. Additionally, Board members and key officers are required to complete a Pennsylvania Department of Banking questionnaire prior to the Department's examination.”

Form 990, Part VI, Section B, Line 15

“The CEO's salary is approved by the Board of Directors after reviewing comparable salary guidelines provided by our trade association. Specific attention is placed upon experience, training, performance and education.”

Form 990, Part VI, Section C, Line 19

“The financial statements are posted in the branch lobby and during our annual meeting. It is also available upon request.”

Filing and Contact Details

Filer

Filer Name
Spirit Financial Credit Union
EIN
23-1469875
Phone
2675800230
Address
8535 New Falls Road, Levittown, PA 19054

Signing Officer

Name
David Obarowski
Title
CEO
Phone
2675800230
Signed
2026-02-27

Organization Details

Principal Officer
David Obarowski
Formed
1953
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
7
Employees
10
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“This is the difference in share (deposits) from the prior year.”

Raw XML Appendix359 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
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IRS990/AccountsReceivableGrp/EOYAmt0824566
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Providing low cost financial services to members.
IRS990/AdvertisingGrp/TotalAmt059156
IRS990/AllOtherContributionsAmt00
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IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/PersonNm0David Obarowski
IRS990/BooksInCareOfDetail/PhoneNum02675800230
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08535 New Falls Road
IRS990/BooksInCareOfDetail/USAddress/CityNm0Levittown
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd019054
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IRS990/CashNonInterestBearingGrp/BOYAmt0827692
IRS990/CashNonInterestBearingGrp/EOYAmt0655044
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
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IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt089427
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IRS990/DescribedInSection501c3Ind00
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IRS990/DonatedServicesAndUseFcltsAmt00
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IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt010
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt03427687
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FederatedCampaignsAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0246994
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990ProvidedToGvrnBodyInd01
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IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt00
IRS990/GrantsToIndividualsInd00
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IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03751020
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
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IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0532135
IRS990/InsuranceGrp/TotalAmt028363
IRS990/InterestGrp/TotalAmt01001098
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01323141
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IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt027653817
IRS990/InvestmentsProgramRelatedGrp/EOYAmt030274201
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01209048
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02544450
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02458633
IRS990/LandBldgEquipCostOrOtherBssAmt03667681
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IRS990/MoreThan5000KToIndividualsInd00
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IRS990/OtherChangesInNetAssetsAmt0-2913572
IRS990/OtherEmployeeBenefitsGrp/TotalAmt073909
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Loan Loss Provision
IRS990/OtherExpensesGrp/Desc2Miscellaneous
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Investments in banks, credit unions
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0518924
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0518924
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02458633
IRS990ScheduleD/TotalBookValueProgramRltdAmt030274201
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0198953
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount048041
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0David Obarowski
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0246994
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Shirley Turner and John Turner are husband and wife.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union has members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The credit union's members have the power to elect and appoint the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors cannot change names, charter or ownership interest without a member vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All financial information is reviewed by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The credit union engages an outside audit firm to perform an annual review of the safety and soundness concerns and the adherence to current policies. Additionally, Board members and key officers are required to complete a Pennsylvania Department of Banking questionnaire prior to the Department's examination.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The CEO's salary is approved by the Board of Directors after reviewing comparable salary guidelines provided by our trade association. Specific attention is placed upon experience, training, performance and education.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The financial statements are posted in the branch lobby and during our annual meeting. It is also available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8This is the difference in share (deposits) from the prior year.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt070261618
IRS990/TotalAssetsEOYAmt067711085
IRS990/TotalAssetsGrp/BOYAmt070261618
IRS990/TotalAssetsGrp/EOYAmt067711085
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03316246
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0332863
IRS990/TotalLiabilitiesEOYAmt0261128
IRS990/TotalLiabilitiesGrp/BOYAmt0332863
IRS990/TotalLiabilitiesGrp/EOYAmt0261128
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt069928755
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt067449957
IRS990/TotalOtherCompensationAmt0246994
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt03427687
IRS990/TotalProgramServiceRevenueAmt02427879
IRS990/TotalReportableCompFromOrgAmt0246994
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03751020
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03751020
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt070261618
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt067711085
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt023260
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08535 New Falls Road
IRS990/USAddress/CityNm0Levittown
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd019054
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0spiritfinancialcu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0David Obarowski
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02675800230
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPIRIT FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPIR
ReturnHeader/Filer/EIN0231469875
ReturnHeader/Filer/PhoneNum02675800230
ReturnHeader/Filer/USAddress/AddressLine1Txt08535 New Falls Road
ReturnHeader/Filer/USAddress/CityNm0Levittown
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd019054
ReturnHeader/ReturnTs02026-03-02T15:27:53-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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