Denali State Bank vs Spirit Of Alaska
Comparing a Bank in Fairbanks, AK with a Credit Union in Fairbanks, AK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Denali State Bank ↗ Bank · Fairbanks, AK · Est. 1986 | Spirit Of Alaska ↗ Credit Union · Fairbanks, AK · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 97/100 |
| Institution type | Bank | Credit Union |
| Location | Fairbanks, AK | Fairbanks, AK |
| Total assets | $516.5M | $200.8M |
| Capital ratio | 10.4% | 14.6% |
| Return on assets | 1.4% | 0.9% |
| Deposits | $455.1M | — |
| Branches | 5 | 9,231 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 5 | #3 of 9 |
| Established | 1986 | 1960 |
Denali State Bank
- Assets: $516.5M
- Deposits: $455.1M
- Capital ratio: 10.4%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 5
Spirit Of Alaska
- Assets: $200.8M
- Members: 9,231
- Capital ratio: 14.6%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #3 of 9
Are both institutions federally insured?
Yes. Denali State Bank is FDIC-insured and Spirit Of Alaska is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Denali State Bank or Spirit Of Alaska?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Denali State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Denali State Bank safe?
Yes — Denali State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Spirit Of Alaska safe?
Yes — Spirit Of Alaska is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (97/100).
What is the capital ratio of Denali State Bank vs Spirit Of Alaska?
Denali State Bank has a capital ratio of 10.4%, placing it in the top 45% of $100M–1B peers. Spirit Of Alaska's ratio is 14.6%, placing it in the top 15% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Denali State Bank have compared to Spirit Of Alaska?
The CFPB database shows 0 complaints against Denali State Bank, and 0 complaints against Spirit Of Alaska. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Denali State Bank with other Banks in Alaska
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
