| Metric | Spojnia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +10.2% | +0.9% | +9.3 pts |
| Loan growth (YoY) | -16.1% | -2.6% | -13.4 pts |
| ROA | -0.63% | 0.65% | -1.3 pts |
| ROE | -4.1% | 4.4% | -8.5 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.3M | $12.1M | $5.6M | $2.2M | $-45K | -0.63% | 2.38% | 8.33% | 746 |
| Q1 2026 | $14.9M | $12.1M | $5.8M | $2.4M | $-30K | -0.81% | 10.18% | 8.54% | 754 |
| Q4 2025 | $14.4M | $12.2M | $6.2M | $2.1M | $-336K | -2.34% | 2.05% | 5.96% | 758 |
| Q3 2025 | $13.0M | $10.9M | $6.4M | $2.1M | $-318K | -3.26% | 2.24% | 4.11% | 714 |
| Q2 2025 | $13.6M | $11.0M | $6.7M | $2.3M | $-151K | -2.22% | 2.12% | 6.11% | 783 |
| Q1 2025 | $13.6M | $11.4M | $6.9M | $2.4M | $-64K | -1.89% | 1.55% | 4.25% | 790 |
| Q4 2024 | $13.8M | $11.4M | $7.0M | $2.4M | $-59K | -0.43% | 1.94% | 3.41% | 796 |
| Q3 2024 | $13.8M | $11.3M | $7.4M | $2.5M | $-27K | -0.26% | 1.99% | 1.87% |
| Ratio | Spojnia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.63% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 811 |
| Q2 2024 | $13.7M | $11.2M | $7.8M | $2.5M | $-20K | -0.29% | 2.04% | 3.26% | 826 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $1.3M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.9% | 80.6% | 95th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Spojnia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Spojnia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Spojnia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Spojnia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Spojnia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Lackawanna, PA, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lackawanna, PA | 2 | $8.1M* | 0.09% | 23rd |
| Kent, MI | 1 | $4.0M* | 0.01% | 70th |
Pennsylvania: 374th with 0.00% · Michigan: 299th with 0.00% · Scranton--Wilkes-Barre metro: 38th, 0.04% · Grand Rapids-Wyoming-Kentwood metro: 83rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 3