Overview / Commentary
Spojnia Credit Union is headquartered in Scranton and is the 202nd largest credit union in the state of Pennsylvania. It is also the 3,451st largest credit union in the nation. It was established in 1974 and as of March of 2025, it had grown to 3 employees and 790 members at 1 location. Spojnia Credit Union's CD rates are 4X the national average, and it has a C+ health rating.
Field of Membership Restrictions
Spojnia Credit Union 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
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional 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 | -1.87% |
| Return on Equity - YTD | -10.86% |
| Annual Interest Income | $109K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $13.6MM$14MM |
| Loans | Q1 2025vs Q1 2024 | $6.9MM$7.9MM |
| Deposits | Q1 2025vs Q1 2024 | $11.4MM$11.6MM |
| Equity Capital | Q1 2025vs Q1 2024 | $2.4MM$2.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $14K$16K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $293K$86K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |