2025-11-04T13:43:24-05:00 2024-12-31 232936821 CARVER AND ASSOCIATES LLC 1221 WYOMING AVE FORTY FORT PA 18704 990 2024-01-01 237429891 SPOJNIA CREDIT UNION SPOJ 5703441513 1006 PITTSTON AVE SCRANTON PA 18505 JOHN C ANDRZEJEWSKI III TREASURER 5703441513 2025-10-28 false CHRIS W CARVER CPA P00296051 5706933662 2025-11-04 2024 2025-03-06 01:10:19Z JOHN C ANDRZEJEWSKI III 1006 PITTSTON AVE SCRANTON PA 18505 504480 false X WWW.SPOJNIACREDITUNION.ORG X TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR MEMBERS 5 5 3 0 0 360238 368619 116296 135861 0 476534 504480 0 2395 0 127403 139410 0 0 314372 424038 444170 563448 32364 -58968 14131559 13806600 11650888 11379128 2480671 2427472 X TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR MEMBERS false false TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO ITS MEMBERS TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR MEMBER false false false false false false false false false true true false false true false false false false false false false false false false false false false false false false true false false false false false false false false false false false false true 247 0 true 3 false false false false false false false false false X 5 5 false false false false false true false true true false false false true true true true true true false false X PRESIDENTCEO 5703441513 1006 PITTSTON AVE SCRANTON PA 18505 JOHN C ANDRZEJEWSKI III TREASURER 10.00 X X 2400 0 0 JAN CWIKLA PRESIDENT 10.00 X X 1800 0 0 KATHERINE GNAT DIRECTOR 5.00 X X 1500 0 0 JACEK GROTNIK VICE PRESIDE 5.00 X X 1500 0 0 JOAN SCHEUNEMAN SECRETARY 5.00 X X 1500 0 0 SANDRA REED MANAGER 20.00 X 1500 0 0 10200 false false false LOAN INTEREST INCOME 349420 349420 FEE INCOME 13064 13064 OTHER INCOME 6135 6135 368619 135861 135861 504480 504480 124656 5755 8999 4725 6639 680 949 57670 30099 17303 216340 4324 MISCELLANEOUS OPERATING E 64377 LOAN SERVICING 15932 FEDERAL OPERATING FEE 5000 563448 0 0 0 32074 34211 1293566 1554924 288131 257912 7701846 6738583 12829 5053 97559 97557 2 2 540665 539254 4126002 4523552 136444 153109 14131559 13806600 -2837 -487 11653725 11379615 11650888 11379128 X 2480671 2427472 2480671 2427472 14131559 13806600 X -58968 5769 X false false false 97559 97557 2 2 CERTIFICATES OF DEPOSITS 4448000 C MID ATLANTIC CORPORATE 75552 C 4523552 MEMBER SHARE ACCOUNTS 11379615 11379615 LOANS TO CREDIT UNION OFFICIALS X 257912 false true true 257912 FORM 990, PAGE 2, PART III, LINE 4D TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR MEMBER 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. FORM 990, PART XI, LINE 9 CHANGE IN UNREALIZED G/L 11,124 OTHER DECREASES -5,355 TOTAL 5,769