State credit union · Scranton, Pennsylvania · NCUA charter #62998
Spojnia
Health score 42/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 42
- Health / 100
- $14.4M
- Total assets
- 758
- Members
- 14.7%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)5
- Member growth3
- Liquidity (loan-to-share)71
Weighted composite: 42/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.65% | 30% |
| Delinquency Rate | 5.96% | 25% |
| Return on Assets | -0.41% | 15% |
| Member Growth | -4.77% | 15% |
| Loan-to-Share Ratio | 50.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Spojnia
The five-factor composite scores Spojnia at 42/100 (Below Average), reflecting a net worth ratio of 14.65% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Scranton, Pennsylvania, reports 758 members, $14.4M in total assets, and $6.2M in outstanding loans as of Q4 2025 under charter #62998 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Two more numbers round out the picture: a 5.96% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 50.84% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.41% on net income of $-58968 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.77%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.65% 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 14.65% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.