Northern Skies vs Spirit Of Alaska
Comparing a Credit Union in Anchorage, AK with a Credit Union in Fairbanks, AK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Northern Skies ↗ Credit Union · Anchorage, AK · Est. 1967 | Spirit Of Alaska ↗ Credit Union · Fairbanks, AK · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 97/100 |
| Institution type | Credit Union | Credit Union |
| Location | Anchorage, AK | Fairbanks, AK |
| Total assets | $222.6M | $200.8M |
| Net worth ratio | 13.5% | 14.6% |
| Return on assets | 1.0% | 0.9% |
| Shares & deposits | — | — |
| Members | 13,846 | 9,231 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 9 | #3 of 9 |
| Established | 1967 | 1960 |
Northern Skies
- Assets: $222.6M
- Members: 13,846
- Capital ratio: 13.5%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #1 of 9
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. Northern Skies is NCUA-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, Northern Skies or Spirit Of Alaska?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Northern Skies 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 Northern Skies safe?
Yes — Northern Skies is NCUA-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 Northern Skies vs Spirit Of Alaska?
Northern Skies has a net worth ratio of 13.5%, placing it in the top 24% 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 Northern Skies have compared to Spirit Of Alaska?
The CFPB database shows 0 complaints against Northern Skies, 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 Northern Skies with other Credit Unions in Alaska
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
