SPOJNIA
Charter #62998 · Scranton, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 754 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.82% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 10.35% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 8.34% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 8.54% sits at the 98th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SPOJNIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.87M | 20th pct | 16th pct |
| Members | 754 | 1th pct | 3th pct |
| Net worth ratio | 16.43% | 68th pct | 62th pct |
| Return on average assets | -0.82% | 7th pct | 3th pct |
| Net interest margin | 10.35% | 100th pct | 98th pct |
| Cost of funds | 8.34% | 100th pct | 98th pct |
| Loan-to-share | 47.90% | 33th pct | 39th pct |
| Delinquency 60+ days | 8.54% | 100th pct | 98th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | -9.93% | 7th pct | 2th pct |
| Share growth YoY | 11.22% | 96th pct | 89th pct |
| Efficiency ratio | 107.84% | 93th pct | 95th pct |
structural peer set hash: cad137fe6494053590d96c070153498c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.