Federal credit union · NEW CASTLE, Pennsylvania · NCUA charter #444
SCA
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $16.8M
- Total assets
- 1,653
- Members
- 19.6%
- Net-worth ratio
SCA scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.8M; members 1,653; net-worth ratio 19.61%; health rank #2,053 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,053 of 4,374 health · 2025Q4SCA · health 84/100 · $16.8M · 2025Q4
- PHOTO 84/100
- BOOK 19.6%
- CHARTER 0.34%
- NCUSIF 1.53%
- CAMELS $16.8M
- HEALTH 1,653
- NW #2,053/4,374
- DELQ One South
- ROA 444
Call Report peers
SCA in the assets neighbourhood
SCA's $16.8M assets sit next to One South ($16.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SCA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where SCA diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +4.75 pp (19.61% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.88 pp (53.92% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SCA in Pennsylvania
- In Pennsylvania, health place is #99 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #181 of 275 inside Pennsylvania ($16.8M reported).
- Member book place in Pennsylvania: #179 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for SCA
SCA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $16.8M (2025Q4) to $17.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (19.73% → 19.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 11.1 pts
Call Report ratios for SCA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.61% | +4.75 pp |
| Delinquency Rate | 0.34% | -0.80 pp |
| Return on Assets | 1.53% | +0.82 pp |
| Member Growth | -3.39% | - |
| Loan-to-Share Ratio | 53.92% | -5.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
SCA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.2M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SCA, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| CORPORATE OFFICE (Main Office) | NEW CASTLE, PA |
| SHARETEC | FORT WAYNE, IN |
| DISASTER RECOVERY LOCATION | FORT WAYNE, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near SCA
Two NCUA Call Report peer sets for SCA, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- SCA ranks #2,053 of 4,374 nationally on financial health and #99 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Saint Vincent Erie is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Saint Vincent Erie
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SCA financially healthy?
SCA scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,053 of 4,374; by total assets it ranks #3,253 of 4,374 nationally (same basis as /rankings/largest); and #181 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.61% 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 19.61% 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.
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.