Spojnia

Scranton, PA · 2 · Charter #62998 · www.spojniacreditunion.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$14.4M
52th percentile
Members
758
28th percentile
Total loans
$6.2M
50th percentile
Total shares
$12.2M
53th percentile

Profitability

Return on assets
-2.34%
3th percentile
Net interest margin
2.05%
5th percentile
Efficiency ratio
125.50%
3th percentile
Non-interest income ratio
1.06%
14th percentile

Capital & Risk

Net worth ratio
14.65%
48th percentile
Delinquency rate
5.96%
5th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
50.84%
36th percentile

Growth

Member growth YoY
-4.77%
18th percentile
Asset growth YoY
4.15%
69th percentile
Loan growth YoY
-11.49%
19th percentile
Share growth YoY
7.26%
85th percentile

Operations

Members / branch
758
36th percentile
Assets / member
$18,971
95th percentile
Field of membership penetration
5.58%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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