Credit union · NCUA insured
Spojnia Credit Union
A $14.9M credit union headquartered in Scranton, PA, with 754 members and 1 branch in Pennsylvania. Best rates: CDs 2.88% and savings 0.05% APY.
Spojnia Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#22 of 30 in Scranton, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Spojnia Credit Union
Located in Scranton, Pennsylvania, Spojnia Credit Union is a member-owned, state-chartered financial institution organized on October 18, 1974.
It was established with the specific purpose of helping members, church groups, associations, and societies of the Polish National Alliance.
- Headquarters
- 1006 Pittston Ave, Scranton, PA 18505
- NCUA charter
- 62998
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Branches, districts, affiliates, associations, and organizations of the Polish National Alliance are eligible for membership.
- Policyholders of the Polish National Alliance (having a policy or annuity) are eligible for membership.
- Parishes, affiliated church groups, associations, and organizations of the Polish National Catholic Church are eligible for membership.
Cost to join
- There is no membership fee to join.
- A minimum share deposit of $5.00 is required and must be maintained to remain a member.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- Spojnia Credit UnionMain office1006 Pittston Ave, Scranton, PA 18505Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 8.33% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.63% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio15.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late8.33%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.63%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Spojnia Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.