Spojnia Federal Credit Union

Headquarters: Scranton, Pennsylvania
Charter: Credit Union
Assets: $14.3M
Fed district: Philadelphia
Regulator: NCUA

7 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 26, 2026

How these figures are measured

Call-report figures are for Spojnia Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Spojnia Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Spojnia Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Spojnia Federal Credit Union: $20
Spojnia Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Spojnia Federal Credit Union: $20
Spojnia Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Spojnia Federal Credit Union: $20
Spojnia Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 367% from Q3 2025 to Q2 2026, to -$8K.

Fee income, Q2 2026

-$8K

$3KQ3 2025

$1KQ4 2025

$8KQ1 2026

-$8KQ2 2026

Against the median

Spojnia Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Spojnia Federal Credit Union · $14M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$14M to $15M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Spojnia Federal Credit Union(this institution)	Scranton, PA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blackhawk Federal Credit Union	Beaver Falls, PA	$15M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cen Tex Manufacturing Federal Credit Union	Brownwood, TX	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cherokee County Teachers Federal Credit Union	Rusk, TX	$14M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Connecticut Labor Dept Federal Credit Union	Wethersfield, CT	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Derry Area Federal Credit Union	Derry, PA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dixie Line Federal Credit Union	Nashville, TN	$15M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fasson Employees Federal Credit Union	Painesville, OH	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Four Corners Federal Credit Union	Kirtland, NM	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Georgetown University Alumni And St Federal Credit Union	Washington, DC	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Kinston Federal Credit Union	Kinston, NC	$14M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hialeah Municipal Employees Federal Credit Union	Hialeah, FL	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
I B E W 175 Federal Credit Union	Chattanooga, TN	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
L.A. Healthcare Federal Credit Union	Los Angeles, CA	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Local 1233 Federal Credit Union	Newark, NJ	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Local 24 Employees Federal Credit Union	Pasadena, TX	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northeast Nebraska Federal Credit Union	Norfolk, NE	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Profinance Federal Credit Union	Merrillville, IN	$15M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Romney Federal Credit Union	Romney, WV	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
St Joe Valley Federal Credit Union	St Maries, ID	$14M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Two Rivers Federal Credit Union	Arkadelphia, AR	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Association Federal Credit Union	Concord, CA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Vermilion Employees Federal Credit Union	Abbeville, LA	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia United Methodist Federal Credit Union	North Chesterfield, VA	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wilmington Police & Fire Federal Credit Union	Wilmington, DE	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Winslow Santa Fe Federal Credit Union	Winslow, AZ	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(domestic wire)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Domestic wire is $5 (20%) below the median of similar-sized credit unions.

Its published price is $20, against a peer median of $25 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Domestic wire fee in dollars, one mark per institution

Spojnia Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Spojnia Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: -$8K
vs prior quarter: −$16K; from Q1 2026
vs a year earlier: −$9K; from Q2 2025
vs start of range: −$11K; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Spojnia Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	-$8K	−$16K
Q1 2026	$8K	+$7K	+700.0%
Q4 2025	$1K	−$2K	−66.7%
Q3 2025	$3K	+$2K	+200.0%
Q2 2025	$1K	−$2K	−66.7%
Q1 2025	$3K	$0	0.0%
Q4 2024	$3K	$0	0.0%
Q3 2024	$3K	+$15K

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Spojnia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Fee$5
per month
Balancing account$20
Not compared: Charged per hour; comparison unavailable
per hour · Balancing account | $20.00 per hour. One hour minimum.

Overdraft & NSF

Overdraft fee$20
Nonsufficient funds – preauthorized withdrawal or share draft$20
per item

Wire Transfers

Wire transfer outgoing$20

Check Services

Stop payment - Cashier's Check$30
per item
Stop payment ACH payment$20
per item
Stop payment series of checks$10

Cash & Deposit

Returned deposited item$20
per item

Other Fees

Home Equity Loan Application Fee$500

Fee	Amount	Basis	Note
Account Maintenance
Dormant Fee	$5	per month	None
Balancing account	$20Not compared: Charged per hour; comparison unavailable	per hour	Balancing account \| $20.00 per hour. One hour minimum.
Overdraft & NSF
Overdraft fee	$20	Not stated	None
Nonsufficient funds – preauthorized withdrawal or share draft	$20	per item	None
Wire Transfers
Wire transfer outgoing	$20	Not stated	None
Check Services
Stop payment - Cashier's Check	$30	per item	None
Stop payment ACH payment	$20	per item	None
Stop payment series of checks	$10	Not stated	None
Cash & Deposit
Returned deposited item	$20	per item	None
Other Fees
Home Equity Loan Application Fee	$500	Not stated	None

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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