Spirit Of Alaska vs Northern Skies
Comparing a Credit Union in Fairbanks, AK with a Credit Union in Anchorage, AK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Spirit Of Alaska ↗ Credit Union · Fairbanks, AK · Est. 1960 | Northern Skies ↗ Credit Union · Anchorage, AK · Est. 1967 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Fairbanks, AK | Anchorage, AK |
| Total assets | $200.8M | $222.6M |
| Net worth ratio | 14.6% | 13.5% |
| Return on assets | 0.9% | 1.0% |
| Shares & deposits | — | — |
| Members | 9,231 | 13,846 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 9 | #1 of 9 |
| Established | 1960 | 1967 |
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
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
Are both institutions federally insured?
Yes. Spirit Of Alaska is NCUA-insured and Northern Skies 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, Spirit Of Alaska or Northern Skies?
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 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 regardless of the institution's Trust Grade. Its Trust Grade is A (97/100), reflecting its financial strength and complaint history relative to peers.
Is Northern Skies safe?
Yes — Northern Skies is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Spirit Of Alaska vs Northern Skies?
Spirit Of Alaska has a net worth ratio of 14.6%, placing it in the top 15% of $100M–1B peers. Northern Skies's ratio is 13.5%, placing it in the top 24% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Spirit Of Alaska have compared to Northern Skies?
The CFPB database shows 0 complaints against Spirit Of Alaska, and 0 complaints against Northern Skies. 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 Spirit Of Alaska 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.
