Spojnia Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.76%	5-year CD	60 Month Share Certificate 3.00% - Barclays 60 Month Online CD
1.26%	1-year CD	12 Month Share Certificate 2.30% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Share Savings Account 1.75% - Ally 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 215^th largest credit union in the state of Pennsylvania. It is also the 3,866^th largest credit union in the nation. It was established in 1974 and as of March of 2018, it had grown to 3 employees and 1,032 members at 1 location. Spojnia Credit Union's CD rates are 40% 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.
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Health

B

Data as of Q1 2018

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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	-0.4%
Return on Equity - YTD	-2.09%
Annual Interest Income	$79.00K

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$12.9MM$14.0MM
Loans	Q1 2018vs Q1 2017	$5.0MM$4.2MM
Deposits	Q1 2018vs Q1 2017	$10.2MM$11.5MM
Equity Capital	Q1 2018vs Q1 2017	$2.5MM$2.5MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$27.00K$38.00K
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$48.00K$30.00K
Real Estate Owned	Q1 2018vs Q1 2017	$0$0

Rates

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Savings
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
1.76%	$1k	-	24 Month Share Certificate
1.76%	$1k	-	36 Month Share Certificate
1.76%	$1k	-	48 Month Share Certificate
1.76%	$1k	-	60 Month Share Certificate
1.26%	$1k	-	12 Month Share Certificate
0.75%	$1k	-	6 Month Share Certificate

Locations

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

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