NCUA merger report, Q4 2025
Spirit Financial Credit Union merger into Credit Union 1
NCUA's Merger Activity and Insurance Report for Q4 2025 lists Spirit Financial Credit Union, of Levittown, PA, as merging into Credit Union 1, of Lombard, IL. NCUA records the reason as "expanded services". Spirit Financial Credit Union still filed its own call report for Q2 2026, so the merger may not have taken effect yet: its figures.
Members of Spirit Financial Credit Union become members of Credit Union 1. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | Spirit Financial Credit UnionQ2 2026 | Credit Union 1Q2 2026 |
|---|---|---|
| Assets | $67.7M | $2.9B |
| Members | 3,702 | 172,066 |
| Net worth ratio | 13.44% | 10.91% |
| Offices | – | 49 |
| Paid on deposits | – | 1.19% |
| New auto loan rate | – | 5.24% |
| Fee income per member | – | $97 |
Figures for Spirit Financial Credit Union are from its call report for Q2 2026; this page carries only its size and capital. Assets for the report quarter: $71.1M merging, $1.9B continuing.
On our member-value score, built only from call-report data, Credit Union 1 scores 37.9 out of 100.
Source: NCUA Merger Activity and Insurance Report, Q4 2025, and NCUA 5300 call reports. The report quarter is when the approval was listed; the merger may take effect later. Not affiliated with NCUA or either credit union. · All recent mergers · Credit Union 1 full figures
Questions people ask
Did Spirit Financial Credit Union merge?
Yes. NCUA's Merger Activity and Insurance Report for Q4 2025 lists Spirit Financial Credit Union, of Levittown, PA, as merging into Credit Union 1, of Lombard, IL. It still filed its own call report for Q2 2026, so the merger may not have taken effect yet.
Why did Spirit Financial Credit Union merge?
NCUA records the reason as "expanded services". That is the category NCUA's report gives; the credit unions' own merger notice to members explains it in more detail.
What happens to my Spirit Financial Credit Union account?
Members and their accounts move to Credit Union 1, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice Credit Union 1 sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. Credit Union 1 is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. If you also had accounts at Credit Union 1 before the merger, your balances are now at one credit union.