SPOJNIA
Charter #62998 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
SPOJNIA has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 9.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 3.87% below tier average
- - Efficiency ratio 158.35% above tier (higher cost structure)
- - Delinquency rate 2.60% above tier average
- - Member decline: -12.0% YoY
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Member Growth Rate: Bottom 4.4% in tier
- - Net Interest Margin (NIM): Bottom 4.6% in tier
- - First Mortgage Concentration (%): Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
714
-12.0% YoY-8.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 20.4% in tier |
| Assets |
$13.0M
-5.7% YoY-4.4% QoQ
|
$-16.9M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$6.4M
-13.3% YoY-3.7% QoQ
|
$-9.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
39th in tier |
| Deposits |
$10.9M
-3.8% YoY-0.7% QoQ
|
$-14.6M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
38th in tier |
| ROA |
-3.2%
+1112.3% YoY+44.0% QoQ
|
-3.9% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.9% in tier |
| NIM |
2.2%
+9.7% YoY+3.1% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
239.7%
+115.9% YoY+19.2% QoQ
|
+158.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
4.1%
+120.1% YoY-32.8% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.1% in tier |
| Loan To Share |
59.1%
-9.9% YoY-3.0% QoQ
|
-2.1% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
47th in tier |
| AMR |
$24,263
+5.0% YoY+7.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 9.3% in tier |
| CD Concentration |
48.0%
+4.2% YoY-0.0% QoQ
|
+23.6% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
242
Average Member Relationship (AMR)
engagement
Value:
$24,263
Peer Avg: $14,627
#242 of 2596
Top 9.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
315
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,017
Peer Avg: $5,488
#315 of 2596
Top 12.1% in <100M tier
Top Weaknesses (12 metrics)
2576
Efficiency Ratio
profitability
Value:
239.74%
Peer Avg: 81.39%
#2576 of 2596
Bottom 0.8% in <100M tier
2547
Return on Assets (ROA)
profitability
Value:
-3.19%
Peer Avg: 0.68%
#2547 of 2596
Bottom 1.9% in <100M tier
2489
Share Certificate Concentration (%)
balance_sheet
Value:
47.96%
Peer Avg: 15.37%
#2489 of 2596
Bottom 4.2% in <100M tier
2483
Member Growth Rate
growth
Value:
-11.96%
Peer Avg: 14.92%
#2483 of 2596
Bottom 4.4% in <100M tier
2478
Net Interest Margin (NIM)
profitability
Value:
2.19%
Peer Avg: 3.93%
#2478 of 2596
Bottom 4.6% in <100M tier
2463
First Mortgage Concentration (%)
balance_sheet
Value:
55.27%
Peer Avg: 14.49%
#2463 of 2596
Bottom 5.2% in <100M tier
2387
Total Delinquency Rate (60+ days)
risk
Value:
4.11%
Peer Avg: 1.51%
#2387 of 2596
Bottom 8.1% in <100M tier
2269
Asset Growth Rate
growth
Value:
-5.65%
Peer Avg: 1.82%
#2269 of 2596
Bottom 12.6% in <100M tier
2267
Members Per Employee (MPE)
engagement
Value:
178.500
Peer Avg: 365.701
#2267 of 2596
Bottom 12.7% in <100M tier
2237
Loan Growth Rate
growth
Value:
-13.29%
Peer Avg: 59.01%
#2237 of 2596
Bottom 13.9% in <100M tier