SPIRIT FINANCIAL CREDIT UNION

EIN: 231469875

Levittown, PA

Total Revenue
$3,751,020
Total Expenses
$3,316,246
Total Assets
$67,711,085
Net Assets
$67,449,957
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1953
Legal Domicile
PA
Principal Officer
David Obarowski
Phone
2675800230
Tax Period
2025-01-01 to 2025-12-31

SPIRIT FINANCIAL CREDIT UNION, founded in 1953, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2025. Expenses of $3.3M left a modest 12% surplus.

Mission

Providing low cost financial services to members.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,427,879
Investment Income $1,323,141
Other Revenue $0
TOTAL REVENUE $3,751,020

Expense Breakdown

Grants Paid $0
Salaries & Benefits $959,529
Fundraising Expenses $0
Program Expenses $3,427,687
Other Expenses $2,356,717
TOTAL EXPENSES $3,316,246

Year-over-Year Comparison

2025 2024 Change
Revenue $3,751,020 $3,764,964 0.0%
Expenses $3,316,246 $4,001,412 -0.2%
Net Income $434,774 $-236,448 -2.8%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
7
Independent Members
7
Employees
10
Volunteers
7

Governance Policies

✓ Conflict of Interest Policy
✓ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
⚠ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
0
$0
Total Directors
0
$0
Key Employees
1
$493,988
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
David Obarowski CEO 40
Key Emp
$246,994 $246,994 $493,988
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $3,751,020 $3,316,246 $67,711,085 $434,774
2024 $3,764,964 $4,001,412 $70,261,618 $-236,448
2023 $3,335,638 $2,779,988 $72,926,478 $555,650
2022 $2,517,527 $2,065,354 $70,694,603 $452,173
2021 $2,444,134 $2,094,597 $67,208,957 $349,537
2020 $2,314,552 $1,985,036 $62,431,721 $329,516
2019 $2,132,888 $1,843,225 $50,906,739 $289,663
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