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Spojnia Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$477k (2023)

Expenses
$444k (2023)

Total Assets
$14.1M (2023)

Total Liabilities
$11.7M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$476,534
Expenses
$444,170
Net Income
$32,364
Net Assets
$2,480,671
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $360,238
75.6%
Investment Income $116,296
24.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $122,994
27.7%
Assets/Debt
Total Assets $14,131,559
Total Liabilities $11,650,888
Net Assets $2,480,671
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $2,240 $0 $0
Jan Cwikla (President) $1,640 $0 $0
Katherine Gnat (Director) $1,340 $0 $0
Jacek Grotnik (Vice Preside) $1,340 $0 $0
Joan Scheuneman (Secretary) $1,340 $0 $0
Sandra Reed (Manager) $1,340 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$372,433
Expenses
$303,019
Net Income
$69,414
Net Assets
$2,487,803
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $298,952
80.3%
Investment Income $73,481
19.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $131,026
43.2%
Assets/Debt
Total Assets $14,770,302
Total Liabilities $12,282,499
Net Assets $2,487,803
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
Sandra Reed (Ceo) $1,020 $0 $0
Katherine Gnat (Director) $765 $0 $0
John Ostroski (Director) $170 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$341,909
Expenses
$331,640
Net Income
$10,269
Net Assets
$2,416,625
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $281,607
82.4%
Investment Income $60,302
17.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $146,073
44.0%
Assets/Debt
Total Assets $15,054,981
Total Liabilities $12,638,356
Net Assets $2,416,625
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$398,422
Expenses
$380,164
Net Income
$18,258
Net Assets
$2,412,806
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $303,337
76.1%
Investment Income $95,085
23.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $133,087
35.0%
Assets/Debt
Total Assets $14,121,118
Total Liabilities $11,708,312
Net Assets $2,412,806
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$379,753
Expenses
$395,960
Net Income
-$16,207
Net Assets
$2,390,013
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $240,213
63.3%
Investment Income $139,540
36.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $126,811
32.0%
Assets/Debt
Total Assets $13,545,277
Total Liabilities $11,155,264
Net Assets $2,390,013
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
Rev Carmen Bolock (Super Comm) $720 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Katherine Gnat (Credit Comm) $720 $0 $0
Paul Kowalski (Super Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Stacy Shrive (Credit Comm) $720 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$349,407
Expenses
$420,862
Net Income
-$71,455
Net Assets
$2,405,836
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $218,591
62.6%
Investment Income $130,816
37.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $124,317
29.5%
Assets/Debt
Total Assets $12,832,993
Total Liabilities $10,427,157
Net Assets $2,405,836
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Stacy Shrive (Credit Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Rev Carmen Bolock (Super Comm) $720 $0 $0
Katherine Gnat (Credit Comm) $720 $0 $0
Paul Kowalski (Super Comm) $420 $0 $0
Valerie Kotula Alba (Super Comm) $180 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$310,188
Expenses
$315,153
Net Income
-$4,965
Net Assets
$2,486,251
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $168,172
54.2%
Investment Income $142,016
45.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $119,166
37.8%
Assets/Debt
Total Assets $13,031,585
Total Liabilities $10,545,334
Net Assets $2,486,251
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Stacy Shrive (Credit Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Rev Carmen Bolock (Super Comm) $720 $0 $0
Valerie Kotula Alba (Super Comm) $720 $0 $0
Katherine Gnat (Credit Comm) $720 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$301,528
Expenses
$318,926
Net Income
-$17,398
Net Assets
$2,503,883
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $163,695
54.3%
Investment Income $137,833
45.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $121,617
38.1%
Assets/Debt
Total Assets $14,163,115
Total Liabilities $11,659,232
Net Assets $2,503,883
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Stacy Shrive (Credit Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Rev Carmen Bolock (Super Comm) $720 $0 $0
Valerie Kotula Alba (Super Comm) $720 $0 $0
Katherine Gnat (Credit Comm) $720 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$301,124
Expenses
$302,244
Net Income
-$1,120
Net Assets
$2,531,785
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $172,087
57.1%
Investment Income $129,037
42.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $112,400
37.2%
Assets/Debt
Total Assets $14,368,584
Total Liabilities $11,836,799
Net Assets $2,531,785
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewski Iii (Treasurer) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Stacy Shrive (Credit Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Rev Carmen Bolock (Super Comm) $720 $0 $0
Valerie Kotula Alba (Super Comm) $720 $0 $0
Katherine Gnat (Credit Comm) $720 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$321,922
Expenses
$350,708
Net Income
-$28,786
Net Assets
$2,554,551
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $175,059
54.4%
Investment Income $146,863
45.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $117,297
33.4%
Assets/Debt
Total Assets $14,903,070
Total Liabilities $12,348,519
Net Assets $2,554,551
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewsk (Treasure) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
Jacek Grotnik (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
John Ostroski (Director) $1,020 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Stacy Crispino (Credit Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Rev Carmen Bolock (Super Comm) $720 $0 $0
Valerie Kotula Alba (Super Comm) $720 $0 $0
Katherine Gnat (Credit Comm) $720 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$343,967
Expenses
$419,761
Net Income
-$75,794
Net Assets
$2,587,440
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $169,851
49.4%
Investment Income $174,116
50.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $124,234
29.6%
Assets/Debt
Total Assets $15,635,009
Total Liabilities $13,047,569
Net Assets $2,587,440
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John C Andrzejewsk (Treasure) $1,920 $0 $0
Jan Cwikla (President) $1,320 $0 $0
John F Ostroski Jr (Vice Preside) $1,020 $0 $0
Joan Scheuneman (Secretary) $1,020 $0 $0
Jacek Grotnik (Director) $1,020 $0 $0
Mary Lou Crispino (Credit Comm) $720 $0 $0
Stacy Crispino (Credit Comm) $720 $0 $0
Edmund Kotula (Supp Comm) $720 $0 $0
Rev Carmen Bolock (Super Comm) $600 $0 $0
Valerie Kotula Alba (Super Comm) $300 $0 $0
Delphine George (Supp Comm) $120 $0 $0
Maria Hughes (Supp Comm) $120 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$418,974
Expenses
$472,998
Net Income
-$54,024
Net Assets
$2,689,836
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $171,774
41.0%
Investment Income $247,200
59.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $118,354
25.0%
Assets/Debt
Total Assets $17,366,154
Total Liabilities $14,676,318
Net Assets $2,689,836

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$515,291
Expenses
$570,356
Net Income
-$55,065
Net Assets
$2,738,575
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $149,048
28.9%
Investment Income $366,243
71.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $117,219
20.6%
Assets/Debt
Total Assets $18,866,904
Total Liabilities $16,128,329
Net Assets $2,738,575

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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