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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 2.38% | 2.83% | 3.48% | 3.92% | Beats 11% | 17 / 19 | |
| Efficiency Ratio | 120.83% | 64.52% | 76.38% | 86.65% | Beats 5% | 19 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.34% | 0.69% | 1.18% | 2.86% | Beats 5% | 19 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.49% | 10.19% | 14.85% | 16.23% | Beats 63% | 7 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.49% | 10.19% | 14.85% | 16.23% | Beats 63% | 7 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 46.44% | 35.75% | 48.22% | 63.39% | 42nd pctl | 11 / 19 | |
| Loans / Assets | 39.22% | 30.68% | 41.12% | 52.54% | 42nd pctl | 11 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |