Federal credit union · NEW CASTLE, Pennsylvania · NCUA charter #444
Sca
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $16.8M
- Total assets
- 1,653
- Members
- 19.7%
- Net-worth ratio
Sca - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #444, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Sca - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth19
- Liquidity (loan-to-share)76
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.73% | 30% |
| Delinquency Rate | 0.34% | 25% |
| Return on Assets | 1.53% | 15% |
| Member Growth | -3.39% | 15% |
| Loan-to-Share Ratio | 53.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.8M | 1,653 |
| 2024Q4 | $16.4M | 1,711 |
| 2023Q4 | $15.8M | 1,746 |
Credit Union Details
- Charter Number
- 444
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- NEW CASTLE
- Data Quarter
- 2025Q4
What This Data Says About Sca
Headquartered in NEW CASTLE, Pennsylvania, Sca is a federal credit union with 1,653 members, $16.8M in total assets, and $7.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 19.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #444 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.34% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 53.92% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.53% on net income of $257K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.39%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sca financially healthy?
Sca scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.73% net worth ratio and a 0.34% delinquency rate.
How does Sca compare to other credit unions?
84/100 is Sca's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sca?
Sca operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sca directly for the exact boundaries and application steps.
Is my money safe at Sca?
Federal credit unions like Sca are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sca's net worth ratio of 19.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sca offer compared to banks?
Credit unions like Sca are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sca directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.