Scranton, Pennsylvania · Peer group 3
Spojnia Credit Union
Spojnia Credit Union holds $14.9M in assets across 754 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1974. Charter number 62998, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $14.9M |
|---|---|
| Total loans | $5.8M |
| Total shares (deposits) | $12.1M |
| Net worth | $2.4M |
| Members | 754 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 9.3% | |
|---|---|---|
| Loans | -15.7% | lower than 93% of its peer group |
| Deposits | 6.3% | around the 82nd percentile of its peer group |
| Members | -4.6% | around the 19th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 47.9% | around the 33rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.4% | around the 68th percentile of its peer group |
| Return on assets | -0.81% | lower than 93% of its peer group |
| Delinquency ratio | 8.54% | higher than 100% of its peer group |
| Cash / assets | 11.7% | around the 53rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Spojnia Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Williamsport Teachers Credit Union
SOUTH WILLIAMSP, PA
$14.9M · 1,079 members
- Usne Penitentiary Employees Credit Union
LEWISBURG, PA
$15.0M · 1,267 members
- Blackhawk Credit Union
Beaver Falls, PA
$15.0M · 1,135 members
- New Castle Bellco Credit Union
NEW CASTLE, PA
$15.2M · 984 members
- Transit Workers Credit Union
PHILADELPHIA, PA
$14.6M · 3,600 members
- I.B.E.W. - Local No. 5 Credit Union
Pittsburgh, PA
$15.3M · 1,644 members
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