State credit union · Scranton, Pennsylvania · NCUA charter #62998
SPOJNIA
Health score 42/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 42
- Health / 100
- $14.4M
- Total assets
- 758
- Members
- 16.4%
- Net-worth ratio
SPOJNIA scores 42/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.4M; members 758; net-worth ratio 16.43%; health rank #4,327 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,327 of 4,374 health · 2025Q4SPOJNIA · health 42/100 · $14.4M · 2025Q4
Call Report peers
SPOJNIA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SPOJNIA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SPOJNIA sits in 40-44 with 25 others.
42 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SPOJNIA vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.57 pp (16.43% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 50.84% vs peer 59.80% (-8.96 pp).
Where SPOJNIA sits in Pennsylvania
- In Pennsylvania, health place is #272 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #190 of 275 inside Pennsylvania ($14.4M reported).
- Membership ranks #232 of 275 among Pennsylvania CUs with a reported count (758 members).
- One place up in Pennsylvania, SMMH (#271) scores 46/100, 4 points higher; one place down, CAL-ED (#273) scores 41/100, 1 point lower.
Quarter path for SPOJNIA
SPOJNIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $14.4M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted +1.78 pp (14.65% → 16.43%).
At 16.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 42/100 score is built
SPOJNIA gives up 58 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.8 pts
- Member Growth 0.4 pts
- Loan-to-Share Ratio 10.8 pts
Call Report ratios for SPOJNIA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.43% | +1.57 pp |
| Delinquency Rate | 5.96% | +4.81 pp |
| Return on Assets | -0.41% | -1.12 pp |
| Member Growth | -4.77% | - |
| Loan-to-Share Ratio | 50.84% | -8.96 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
SPOJNIA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.9M | - |
| 2025Q4 | $14.4M | 758 |
| 2024Q4 | $13.8M | 796 |
| 2023Q4 | $14.1M | 855 |
Credit Union Details
- Charter Number
- 62998
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Scranton
- Data Quarter
- 2025Q4
Branch Locations (3)
SPOJNIA operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Spojnia Credit Union (Main Office) | Scranton, PA |
| Tech42 LLC | Dunmore, PA |
| CU*Answers | Grand Rapids, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near SPOJNIA
Similar total assets
Using this data
- SPOJNIA ranks #4,327 of 4,374 nationally on financial health and #272 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Castle Bellco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Castle Bellco
Frequently Asked Questions
Is SPOJNIA financially healthy?
On its 2025Q4 NCUA 5300 filing, SPOJNIA scores 42/100 (Below Average), with a 16.43% net worth ratio and 5.96% of loans delinquent. It ranks #4,327 of 4,374 nationally on health and #272 of 275 in Pennsylvania.
How does SPOJNIA compare to other credit unions?
SPOJNIA scores 42/100, higher than 1% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.43% vs 14.86%). Its widest shortfall is loan-to-share ratio (50.84% vs 59.80%).
How can I join SPOJNIA?
Membership eligibility for SPOJNIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SPOJNIA directly for current membership requirements and application steps.
Is my money safe at SPOJNIA?
SPOJNIA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SPOJNIA's net worth ratio of 16.43% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.