Civic Intelligence

Spojnia Credit Union

EIN 23-7429891 • 501(c)14 • Scranton, PA

Profile

To provide co-operative financial services to their members

1006 Pittston AveScranton, PA 18505

www.spojniacreditunion.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

32nd percentile

0.82x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

81st percentile

22.56x

Higher debt load relative to revenue than 81% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

14th percentile

-12%

Higher net margin than 14% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

12th percentile

$2,400

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

34th percentile

-2.3%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

48th percentile

5.9%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$13,806,600

Down $324,959 (-2.3%) from 2023

Liabilities

Down

$11,379,128

Down $271,760 (-2.3%) from 2023

Net Assets

Down

$2,427,472

Down $53,199 (-2.1%) from 2023

Operations
Liabilities / Revenue81st percentileNet Margin14th percentile

Revenue

Up

$504,480

Up $27,946 (+5.9%) from 2023

Expenses

Up

$563,448

Up $119,278 (+27%) from 2023

Net Income

Down

-$58,968

Down $91,332 (-282%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $19,389,153Liabilities 2010: $16,590,416Net Assets 2010: $2,798,7372010Assets 2011: $18,866,904Liabilities 2011: $16,128,329Net Assets 2011: $2,738,5752011Assets 2012: $17,366,154Liabilities 2012: $14,676,318Net Assets 2012: $2,689,8362012Assets 2013: $15,635,009Liabilities 2013: $13,047,569Net Assets 2013: $2,587,4402013Assets 2014: $14,903,070Liabilities 2014: $12,348,519Net Assets 2014: $2,554,5512014Assets 2015: $14,368,584Liabilities 2015: $11,836,799Net Assets 2015: $2,531,7852015Assets 2016: $14,163,115Liabilities 2016: $11,659,232Net Assets 2016: $2,503,8832016Assets 2017: $13,031,585Liabilities 2017: $10,545,334Net Assets 2017: $2,486,2512017Assets 2018: $12,832,993Liabilities 2018: $10,427,157Net Assets 2018: $2,405,8362018Assets 2019: $13,545,277Liabilities 2019: $11,155,264Net Assets 2019: $2,390,0132019Assets 2020: $14,121,118Liabilities 2020: $11,708,312Net Assets 2020: $2,412,8062020Assets 2021: $15,054,981Liabilities 2021: $12,638,356Net Assets 2021: $2,416,6252021Assets 2022: $14,770,302Liabilities 2022: $12,282,499Net Assets 2022: $2,487,8032022Assets 2023: $14,131,559Liabilities 2023: $11,650,888Net Assets 2023: $2,480,6712023Assets 2024: $13,806,600Liabilities 2024: $11,379,128Net Assets 2024: $2,427,4722024

Highlighted filing

2024

Assets$13,806,600
Liabilities$11,379,128
Net Assets$2,427,472
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2010: $618,7592010Expenses 2011: $570,3562011Expenses 2012: $472,9982012Revenue 2013: $343,967Expenses 2013: $419,761Net Income 2013: -$75,7942013Revenue 2014: $321,922Expenses 2014: $350,708Net Income 2014: -$28,7862014Revenue 2015: $301,124Expenses 2015: $302,244Net Income 2015: -$1,1202015Revenue 2016: $301,528Expenses 2016: $318,926Net Income 2016: -$17,3982016Revenue 2017: $310,188Expenses 2017: $315,153Net Income 2017: -$4,9652017Revenue 2018: $349,407Expenses 2018: $420,862Net Income 2018: -$71,4552018Revenue 2019: $379,753Expenses 2019: $395,960Net Income 2019: -$16,2072019Revenue 2020: $398,422Expenses 2020: $380,164Net Income 2020: $18,2582020Revenue 2021: $341,909Expenses 2021: $331,640Net Income 2021: $10,2692021Revenue 2022: $372,433Expenses 2022: $303,019Net Income 2022: $69,4142022Revenue 2023: $476,534Expenses 2023: $444,170Net Income 2023: $32,3642023Revenue 2024: $504,480Expenses 2024: $563,448Net Income 2024: -$58,9682024

Highlighted filing

2024

Revenue$504,480
Expenses$563,448
Net Income-$58,968
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$13,806,600
Liabilities
$11,379,128
Net assets
$2,427,472
Revenue
$504,480
Expenses
$563,448
Net income
-$58,968
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$11.4$2.43$0.50$0.56$0.06
2023Detailed filing. Detailed filing data is available for this year.$14.1$11.7$2.48$0.48$0.44$0.03
2022Detailed filing. Detailed filing data is available for this year.$14.8$12.3$2.49$0.37$0.30$0.07
2021Detailed filing. Detailed filing data is available for this year.$15.1$12.6$2.42$0.34$0.33$0.01
2020Detailed filing. Detailed filing data is available for this year.$14.1$11.7$2.41$0.40$0.38$0.02
2019Detailed filing. Detailed filing data is available for this year.$13.5$11.2$2.39$0.38$0.40$0.02
2018Detailed filing. Detailed filing data is available for this year.$12.8$10.4$2.41$0.35$0.42$0.07
2017Detailed filing. Detailed filing data is available for this year.$13.0$10.5$2.49$0.31$0.32$0.00
2016Detailed filing. Detailed filing data is available for this year.$14.2$11.7$2.50$0.30$0.32$0.02
2015Detailed filing. Detailed filing data is available for this year.$14.4$11.8$2.53$0.30$0.30$0.00
2014Detailed filing. Detailed filing data is available for this year.$14.9$12.3$2.55$0.32$0.35$0.03
2013Detailed filing. Detailed filing data is available for this year.$15.6$13.0$2.59$0.34$0.42$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.4$14.7$2.69$0.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.9$16.1$2.74$0.57
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.4$16.6$2.80$0.62
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 28, 2025
Return Version
2024v5.0
Gross Receipts
$504,480
Mission and Program Overview

Mission

To provide co-operative financial services to their members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,701,846$6,738,583▼ $963,263
Investments Other Securities$4,126,002$4,523,552▲ $397,550
Rtn Earn Endowment Incm Other Fnds$2,480,671$2,427,472▼ $53,199
Savings and Temporary Cash Investments$1,293,566$1,554,924▲ $261,358
Investments in Publicly Traded Securities$540,665$539,254▼ $1,411
Receivables From Officers Etc$288,131$257,912▼ $30,219
Cash and Non-Interest-Bearing Accounts$32,074$34,211▲ $2,137
Prepaid Expenses and Deferred Charges$12,829$5,053▼ $7,776
Land, Buildings, and Equipment, Net$2$2→ $0
Total Assets$14,131,559$13,806,600▼ $324,959
Other Assets Total$136,444$153,109▲ $16,665
Liabilities
Other Liabilities$11,653,725$11,379,615▼ $274,110
Accounts Payable and Accrued Expenses$-2,837$-487▲ $2,350
Total Liabilities$11,650,888$11,379,128▼ $271,760
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,480,671$2,427,472▼ $53,199
Total Liabilities and Net Assets / Fund Balance$14,131,559$13,806,600▼ $324,959

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2$97,557$97,559
Other Securities$75,552--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John C Andrzejewski IiiTreasurerPT$2,400$2,400
Jan CwiklaPresidentPT$1,800$1,800
Sandra ReedManagerPT$1,500$1,500
Jacek GrotnikVice PresidePT$1,500$1,500
Joan ScheunemanSecretaryPT$1,500$1,500
Katherine GnatDirectorPT$1,500$1,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$368,619
Investment Income
$135,861
Other Revenue
$0
Change in Net Assets
$-58,968
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$424,038
Salaries, Compensation, and Employee Benefits$139,410
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$216,340
Other Salaries and Wages---$124,656
Office Expenses---$57,670
Occupancy---$30,099
Conferences and Meetings---$17,303
Payroll Taxes---$8,999
Fees for Services Legal---$6,639
Other Employee Benefits---$5,755
Other Expenses---$5,000
Fees for Services Management---$4,725
Insurance---$4,324
Advertising---$949
Fees for Services Accounting---$680
Total Functional Expenses$0$0$0$563,448
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$288,131$257,912▼ $30,219
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$11,379,615
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“Credit union members elect the governing body (board of directors).”

Form 990, Page 6, Part VI, Line 11B

“Managment reviews form 990 with board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“The credit union recognizes that outside business interests of employees or officials may create conflicts of interest and may affect the integrety of the credit union. As per the policy: "any proposed credit union dealings, other than normal credit union responsibilities with individual directors, committee members or employees, must require official approval. Such dealings may include, but are not limited to purchase of supplies, consulting or other services, sale of goods, services or any transaction not in the normal conduct of business between the credit union and an individual director, committee member or employee."”

Form 990, Page 6, Part VI, Line 15A

“Management compensation is reviewed and approved by board of directors.”

Form 990, Page 6, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Spojnia Credit Union
EIN
23-7429891
Phone
5703441513
Address
1006 PITTSTON AVE, SCRANTON, PA 18505

Signing Officer

Name
John C Andrzejewski Iii
Title
Treasurer
Phone
5703441513
Signed
2025-10-28

Organization Details

Principal Officer
John C Andrzejewski Iii
Voting Board Members
5
Independent Board Members
5
Employees
3

Preparer

Firm
Carver and Associates LLC
Address
1221 WYOMING AVE, FORTY FORT, PA 18704
Preparer
Chris W Carver CPA
Phone
5706933662
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To provide co-operative financial services to their member”

Form 990, Part XI, Line 9

“Change in unrealized g/l 11,124 other decreases -5,355 total 5,769”

Raw XML Appendix327 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02480671
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02427472
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01293566
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01554924
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt02
IRS990ScheduleD/EquipmentGrp/DepreciationAmt097557
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt097559
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt011379615
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04448000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt175552
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MID ATLANTIC CORPORATE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02
IRS990ScheduleD/TotalBookValueSecuritiesAmt04523552
IRS990ScheduleD/TotalLiabilityAmt011379615
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0257912
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO CREDIT UNION OFFICIALS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0257912
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR MEMBER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT THE GOVERNING BODY (BOARD OF DIRECTORS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGMENT REVIEWS FORM 990 WITH BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION RECOGNIZES THAT OUTSIDE BUSINESS INTERESTS OF EMPLOYEES OR OFFICIALS MAY CREATE CONFLICTS OF INTEREST AND MAY AFFECT THE INTEGRETY OF THE CREDIT UNION. AS PER THE POLICY: "ANY PROPOSED CREDIT UNION DEALINGS, OTHER THAN NORMAL CREDIT UNION RESPONSIBILITIES WITH INDIVIDUAL DIRECTORS, COMMITTEE MEMBERS OR EMPLOYEES, MUST REQUIRE OFFICIAL APPROVAL. SUCH DEALINGS MAY INCLUDE, BUT ARE NOT LIMITED TO PURCHASE OF SUPPLIES, CONSULTING OR OTHER SERVICES, SALE OF GOODS, SERVICES OR ANY TRANSACTION NOT IN THE NORMAL CONDUCT OF BUSINESS BETWEEN THE CREDIT UNION AND AN INDIVIDUAL DIRECTOR, COMMITTEE MEMBER OR EMPLOYEE."
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT COMPENSATION IS REVIEWED AND APPROVED BY BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN UNREALIZED G/L 11,124 OTHER DECREASES -5,355 TOTAL 5,769
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014131559
IRS990/TotalAssetsEOYAmt013806600
IRS990/TotalAssetsGrp/BOYAmt014131559
IRS990/TotalAssetsGrp/EOYAmt013806600
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0563448
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011650888
IRS990/TotalLiabilitiesEOYAmt011379128
IRS990/TotalLiabilitiesGrp/BOYAmt011650888
IRS990/TotalLiabilitiesGrp/EOYAmt011379128
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02480671
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02427472
IRS990/TotalProgramServiceRevenueAmt0368619
IRS990/TotalReportableCompFromOrgAmt010200
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0504480
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0504480
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014131559
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013806600
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01006 PITTSTON AVE
IRS990/USAddress/CityNm0SCRANTON
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd018505
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.SPOJNIACREDITUNION.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN C ANDRZEJEWSKI III
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05703441513
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPOJNIA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPOJ
ReturnHeader/Filer/EIN0237429891
ReturnHeader/Filer/PhoneNum05703441513
ReturnHeader/Filer/USAddress/AddressLine1Txt01006 PITTSTON AVE
ReturnHeader/Filer/USAddress/CityNm0SCRANTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd018505
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232936821
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CARVER AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01221 WYOMING AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FORTY FORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd018704
ReturnHeader/PreparerPersonGrp/PhoneNum05706933662
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02025-11-04T13:43:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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