# SPOJNIA
Scranton, PA · NCUA charter 62998 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spojnia-62998

Who the members are: state charter, organized 1974. 754 members of 13,583 potential (5.5% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.9M |
| Members | 754 (-4.6% YoY) |
| Full-time staff | 3 |
| Net worth | $2.4M |
| Net worth ratio | 16.4% (p59 of band) |
| ROA (annualized) | -0.81% (p12 of band) |
| Total delinquency | 8.54% (p97 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 48% (p35 of band) |
| Cash / assets | 52.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 10.18% (p100 of band) |
| Operating expense / assets | 11.13% (p98 of band) |
| Vehicles % of loans | 17% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.33% (p93 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 49% |
| Average share balance | $9,186 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $29,287 |
| Loans granted, annualized | $405,132 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | delinquency rising, assets shrinking |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | net worth falling | assets shrinking |
| 2018-12 | 2 | members leaving | net worth falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | delinquency rising, assets shrinking | losing money |
| 2020-09 | 2 | net worth falling | assets shrinking |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | losing money |  |
| 2021-06 | 3 | members leaving | delinquency rising |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | net worth falling, losing money |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 4 | net worth falling, losing money, expense trap, members leaving | delinquency 2x band, assets shrinking, delinquency rising |
| 2024-06 | 3 | delinquency 2x band | net worth falling, expense trap |
| 2024-09 | 3 |  |  |
| 2024-12 | 6 | net worth falling, delinquency rising, loan book shrinking |  |
| 2025-03 | 7 | margin squeeze |  |
| 2025-06 | 6 |  | margin squeeze |
| 2025-09 | 7 | assets shrinking |  |
| 2025-12 | 6 |  | assets shrinking |
| 2026-03 | 6 | expense trap | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-09 [Regina M. Nycz - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTE5nU3R5R1AyVFpqVUpfYU03OTZiZ1lvMWtaa1A5azhZZjVLY21GWGtCX19wWEVSai02ZmRKbi1TUU5WOE9TeWc5R3pjODlzOVBaNTIyM3FETjduLW5nZTU1cDh3ZDNGQ2JLd1NuOUptaElPQlRMTGthd25R?oc=5) · Scranton Times-Tribune
- 2020-01-01 [Delphine George - Kiesinger Funeral Services](https://news.google.com/rss/articles/CBMifEFVX3lxTFA1cE51b3lIdG95b2ZJZ1NoQU1mbFZaNUk0cnV2UE1ZWGJ6d2tGYlZBWjBVQXE5SG05WHc3bDl1a3NfZFJfYlk1d2xZcjZCby1RMUZPRjVfV2UwVlY3LVN3c0huejBUZEl0Y2hnQTZocWdvZWNUSGNGWmd4SDg?oc=5) · Kiesinger Funeral Services
- 2025-10-23 [Albert J. Micka - The Citizens' Voice](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPZTEzLXNaVVRSMTBQN3pMcVFSODVGa1k5a2hnTy1xSE9hZmdUN0pWZzlwRzdEelNLV0lKU29jTHVCclBNWE9abkhtSkl4MDF4N2lQbmNLRlgtVzdiRTZrOGRraGpMeUtqNWEtYk13YzB0WkNNV3ctOV9Ja1FDdVZ6UzRaRk5LeWVBUk1V?oc=5) · The Citizens' Voice
- 2024-07-27 [Richard Ostroski Obituary (2024) - Scranton, PA - Scranton Times - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdlJIWmtkRWVDRmhzdFdRR0NZcTd3VTlfWEk4QXdDeFptTDhmRzhSZUhGWHktM2E1WXRVWU12aHBONWFzVDZPWTlTcXdOMjIyS3AwWnZyN0xGS3hYNEduTTNNZGgybXBKNWtyTDFsSGJHanh3aXBVLTUxS2JvM05RU0FZWHpIOHp4TDFhdTYxclY4MXBDQlVJVmtvTm4?oc=5) · Legacy obituary
- 2022-02-20 [John Ostroski Obituary (2022) - Roaring Brook Twp., PA - Scranton Times - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcEtMbWZxeno4LThQODA5eFAwV25mNW9oZ2RfMXRBUmtxTUhVM3pKejRyRktXNkluQ3R5RGEtY0lzRWk0ZWdTY1RiNm5LZnZwSVVfWFRKcE5saHZOb3BpQWZTNXpabF8xN0xfR1JWRlUxcjY5Q01la1lWdE1xNkU3WnJrdUVRNmNRVXlxS3QzekpGMnljNnVJTQ?oc=5) · Legacy obituary
- 2016-05-28 [The Rev. Bolock serves as Senate Chaplain for a Day - The Citizens' Voice](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcG1iZ21HbG5uX21WeTlYd0JEang1cGczZkRWbkJwb1dPcnV0WVEybjVfcUhEQllWbkNWanVXN1FwR0FhU1RPVDZhNUdKS0FRRmx4REpQakFLaXlEaHJUNXM5OUxnVVdlTUZSVW55NlI3Sk03dmFCRDJaSDN5Rm9kQlJjZHZjOWk1UktRRW9GekZlaGVzcjhz?oc=5) · The Citizens' Voice
- 2018-02-03 [People on the Move - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMidkFVX3lxTFBUVXIzU0NQSjBaQjI4ZHZyMDZNVHA3V3BST0FJTHVUVmpVdElkZE1NTEZEMjVIclJHTUhsZEpwTjlTRWhJajN0MG5HR1F0UUxBeE9NQThfOUoyZjg4SlhYenVfTUl1Y2NzRXhnQUI5Si0wemJkbUE?oc=5) · Scranton Times-Tribune
- 2022-01-01 [Theresa Ogonosky Obituary (2022) - Moosic, PA - Scranton Times - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxNRjZmWDV2ZkFuMXhxUElmOHhWbE5NNThvWnJIZ21hOVRfZU5IdEptam81SkVjWEVwSGlld296ZU5uVGk4SGVpLWZ0MXRBUlVxbldMNW9iTm16NlpfOUxKZFJsM1JEdlVjSmRrcXFKQ3EyZlJIdlc5RGxlN0VnbGs4QXdnUkRhRWFqVWZPUVFTSmZHd19QN3N5NWM0bkw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62998 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/22.json (key "62998", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62998
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide