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
- NCUSIF 42/100
- CAMELS 16.4%
- HEALTH 5.96%
- NW -0.41%
- DELQ $14.4M
- ROA 758
- ASSETS #4,327/4,374
- MEM Vermilion Employees
- RANK 62998
Call Report peers
SPOJNIA in the assets neighbourhood
SPOJNIA's $14.4M assets sit next to Vermilion Employees ($14.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
42 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SPOJNIA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62998, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for SPOJNIA
SPOJNIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $14.4M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted +1.78 pp (14.65% → 16.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 42.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
SPOJNIA's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (42/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SPOJNIA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SPOJNIA carries a financial health score of 42/100 (Below Average). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,327 of 4,374; by total assets it ranks #3,345 of 4,374 nationally (same basis as /rankings/largest); and #190 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.43% net worth ratio and a 5.96% delinquency rate.
How does SPOJNIA compare to other credit unions?
Five weighted metrics from NCUA filings produce SPOJNIA's 42/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like SPOJNIA are 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."
What rates does SPOJNIA offer compared to banks?
Credit unions like SPOJNIA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SPOJNIA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.