State credit union · Edwardsville, Illinois · NCUA charter #66370
SCOTT
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.81B
- Total assets
- 132,358
- Members
- 9.9%
- Net-worth ratio
SCOTT scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.81B; members 132,358; net-worth ratio 9.89%; health rank #3,122 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,122 of 4,374 health · 2025Q4SCOTT · health 77/100 · $1.81B · 2025Q4
- NW 77/100
- DELQ 9.9%
- ROA 1.04%
- ASSETS 0.37%
- MEM $1.81B
- RANK 132,358
- PHOTO #3,122/4,374
- BOOK HONOR
- CHARTER 66370
Call Report peers
SCOTT in the assets neighbourhood
SCOTT's $1.81B assets sit next to HONOR ($1.81B) 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.
SCOTT 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
77 28th percentile higher than 28% 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
SCOTT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66370, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
SCOTT: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 73.36% here, 83.90% peer average (-10.54 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SCOTT sits in Illinois
- Illinois health ordinal: #138 of 192.
- Illinois assets place: #9 of 192.
- Illinois membership ordinal: #7 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SCOTT Call Report trajectory
SCOTT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $1.81B (2025Q4) to $1.84B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.79% → 9.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 19.7 pts
- Return on Assets 13.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.89% | -1.29 pp |
| Delinquency Rate | 1.04% | +0.17 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | -5.99% | - |
| Loan-to-Share Ratio | 73.36% | -10.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.84B | - |
| 2025Q4 | $1.81B | 132,358 |
| 2024Q4 | $1.75B | 140,794 |
| 2023Q4 | $1.74B | 148,814 |
Credit Union Details
- Charter Number
- 66370
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Edwardsville
- Data Quarter
- 2025Q4
Branch Locations (24)
Per its most recent NCUA branch filing, SCOTT runs 24 offices in 18 different cities across 2 states.
| Office | City |
|---|---|
| Home Office (Main Office) | Edwardsville, IL |
| Affton Branch | Affton, MO |
| West Belleville Branch | Belleville, IL |
| East Belleville Branch | Belleville, IL |
| Breese Branch | Breese, IL |
| Collinsville Branch | Collinsville, IL |
| Columbia Branch | Columbia, IL |
| Edwardsville Branch | Edwardsville, IL |
| Evergreen Park Admin Office | Evergreen Park, IL |
| Evergreen Park Branch | Evergreen Park, IL |
| Fairview Heights Branch | Fairview Heights, IL |
| Highland Branch | Highland, IL |
| Lebanon Branch | Lebanon, IL |
| Mascoutah Branch | Mascoutah, IL |
| OFallon Branch | O Fallon, IL |
| Ladue Branch | Saint Louis, MO |
| Crestwood Branch | Saint Louis, MO |
| Ferguson Branch | Saint Louis, MO |
| Ball Park Village Branch | Saint Louis, MO |
| Scott AFB Branch | Scott Air Force Base, IL |
| Trenton Branch | Trenton, IL |
| Troy Branch | Troy, IL |
| Waterloo Branch | Waterloo, IL |
| Wood River Branch | Wood River, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
SCOTT nationwide neighbourhoods
SCOTT's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.81B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- SCOTT ranks #3,122 of 4,374 nationally on financial health and #138 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Lakes is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Lakes
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 SCOTT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SCOTT carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,122 of 4,374; by total assets it ranks #277 of 4,374 nationally (same basis as /rankings/largest); and #9 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.89% net worth ratio and a 1.04% delinquency rate.
How does SCOTT compare to other credit unions?
77/100 is SCOTT's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 SCOTT?
Membership eligibility for SCOTT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SCOTT directly for current membership requirements and application steps.
Is my money safe at SCOTT?
Federal credit unions like SCOTT 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. SCOTT's net worth ratio of 9.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SCOTT offer compared to banks?
Credit unions like SCOTT 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 SCOTT 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.