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Spojnia

Scranton, PA · Charter 62998

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

5

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Spojnia

Scranton, PA · Charter 62998

NCUA · 2 branches

Q2 2026

$14.3MAssets
$5.6MLoans
$12.1MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.63%, up 158 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 8.33% of loans (+222 bps YoY).
  • Capital: net worth / assets of 15.49%, down 134 bps from a year ago.
  • Funding: loans stand at 46.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.63%+158 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+26 bps YoY

Efficiency Ratio (YTD, annualized)

120.88%-8,032 bps YoY

Net Worth / Assets

15.49%-134 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.22%-3.26%-2.34%-0.81%-0.63%+158 bps
Return on Equity-13.16%-20.02%-15.94%-4.92%-4.07%+909 bps
Net Interest Margin2.12%2.24%2.05%10.18%2.38%+26 bps
Efficiency Ratio201%240%212%107.84%120.88%-8,032 bps
Growth
Asset Growth (YoY)-0.80%-5.65%4.15%9.31%5.28%+608 bps
Loan Growth (YoY)-13.82%-13.29%-11.49%-15.70%-16.05%-223 bps
Share Growth (YoY)-2.45%-3.77%7.26%6.33%10.23%+1,269 bps
Asset Quality
Delinquent Loans / Loans6.11%4.11%5.96%8.54%8.33%+222 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.84%16.30%14.65%16.43%15.49%-134 bps
Net Worth / Assets16.84%16.30%14.65%16.43%15.49%-134 bps
Liquidity & Funding
Loans / Shares60.99%59.14%50.84%47.90%46.44%-1,454 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Spojnia

Scranton, PA · Charter 62998 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)

NCUA · 2 branches

Q2 2026

$14.3MAssets
$5.6MLoans
$12.1MShares
$2.2MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 63% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 7 of 19).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 19 of 19).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

-0.63%

Rank 19 of 19

Net Interest Margin

2.38%

Rank 17 of 19

Efficiency Ratio

120.83%

Rank 19 of 19

Equity / Assets

15.49%

Rank 7 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.63%0.36%0.65%1.51%Beats 0%19 / 19
Return on Equity-4.06%3.11%5.16%9.66%Beats 0%19 / 19
Net Interest Margin2.38%2.83%3.48%3.92%Beats 11%17 / 19
Efficiency Ratio120.83%64.52%76.38%86.65%Beats 5%19 / 19
Asset Quality
Nonperforming Loans / Loans8.34%0.69%1.18%2.86%Beats 5%19 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.49%10.19%14.85%16.23%Beats 63%7 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.49%10.19%14.85%16.23%Beats 63%7 / 19
Liquidity & Funding
Loans / Deposits46.44%35.75%48.22%63.39%42nd pctl11 / 19
Loans / Assets39.22%30.68%41.12%52.54%42nd pctl11 / 19
Brokered Deposits / Depositsn/aNot reported for this institution