Spojnia Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.15%	5-year CD	60 Month Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
1.08%	1-year CD	12 Month Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.05%	Savings	Share Savings Account 1.30% - Nationwide Bank Online Savings Account

View all Spojnia Credit Union rates »

Overview / Commentary

www.spojniacreditunion.org

570-344-1513

1006 Pittston Ave
Scranton, PA 18505

Spojnia Credit Union is headquartered in Scranton and is the 213^th largest credit union in the state of Pennsylvania. It is also the 3,843^rd largest credit union in the nation. It was established in 1974 and as of December of 2017, it had grown to 3 employees and 1,029 members at 1 location. Spojnia Credit Union's CD rates are 20% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to Polish National Union of America policyholders or members of any parish or affiliated church group of the Polish National Catholic Church.
See current membership details

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Health

B

Data as of Q4 2017

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Spojnia Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	62998
Year Chartered	1974
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.03%
Return on Equity - YTD	-0.16%
Annual Interest Income	$309.00K

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$13.0MM$14.2MM
Loans	Q4 2017vs Q4 2016	$4.6MM$4.1MM
Deposits	Q4 2017vs Q4 2016	$10.3MM$11.7MM
Equity Capital	Q4 2017vs Q4 2016	$2.5MM$2.5MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$18.00K$38.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$54.00K$35.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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CD

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Spojnia Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	-	$5k	Christmas Club Account
0.15%	-	$5k	Vacation Club Account
0.05%	-	-	Share Savings Account

Spojnia Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.49%	$1k	-	24 Month Share Certificate
1.15%	$1k	-	60 Month Share Certificate
1.08%	$1k	-	12 Month Share Certificate
1.04%	$1k	-	48 Month Share Certificate
0.94%	$1k	-	36 Month Share Certificate
0.34%	$1k	-	6 Month Share Certificate

Locations

Spojnia Credit Union Locations
Branch Office	1006 Pittston Ave	Scranton, PA 18505

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