Sep, 30, 2025 — SPOJNIA CREDIT UNION is a federally insured state chartered credit union headquartered in SCRANTON, PA with 1 branch location and about $12.99 million in total assets. Opened 52 years ago in 1974, SPOJNIA CREDIT UNION has about 714 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SPOJNIA CREDIT UNION |
|---|---|
| Address: (Main Office) | 1006 Pittston Ave SCRANTON, PA 18505 |
| Phone: | (570) 344-1513 |
| Fax: | (570) 961-5961 |
| Website: | https://www.spojniacreditunion.org |
| Branches: | 1 branch locations |
| Members: | 714 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62998 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1974 |
| Last Audited: | Apr 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,994,922 |
| CEO/Manager: | MARCELLA MILLER |
| Chairperson: | Jan S Cwikla |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,087,385 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,903,444 |
| Unsecured Loans | 325,710 |
| Other Loans | 1,208,809 |
| TOTAL LOANS | 6,437,963 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -13,963 |
| Land And Building | 0 |
| Other Fixed Assets | 262 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 154,388 |
| All Other Assets | 0 |
| TOTAL ASSETS | 12,994,922 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -1,204 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 696,649 |
| Regular shares | 4,968,201 |
| All Other Shares & Deposits | 5,221,151 |
| TOTAL SHARES & DEPOSITS | 10,886,001 |
| TOTAL LIABILITIES | 10,884,797 |
| Regular Reserve | 0 |
| Other Reserves | -8,663 |
| Undivided Earnings | 2,118,788 |
| TOTAL EQUITY | 2,110,125 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,994,922 |
| INCOME & EXPENSE | |
| Loan Income | 240,695 |
| Investment Income | 136,333 |
| Other Income | 6,555 |
| Total Employee Compensation & Benefits | 270,917 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 274,828 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 158,960 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -318,107 |
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