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
Call Report peers
SCOTT in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SCOTT sits in 75-79 with 502 others.
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: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 73.36% here, 83.90% peer average (-10.54 pp).
Where SCOTT sits in Illinois
- Illinois health ordinal: #138 of 192.
- Illinois assets place: #9 of 192.
- Illinois membership ordinal: #7 of 192.
- One place up in Illinois, Springfield Firefighters (#137) ties at 77/100; one place down, Alton Municipal Employees (#139) scores 76/100, 1 point lower.
SCOTT Call Report trajectory
SCOTT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $1.81B (2025Q4) to $1.84B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.79% → 9.89%).
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
SCOTT gives up 23 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SCOTT financially healthy?
On its 2025Q4 NCUA 5300 filing, SCOTT scores 77/100 (Very Good), with a 9.89% net worth ratio and 1.04% of loans delinquent. It ranks #3,122 of 4,374 nationally on health and #138 of 192 in Illinois.
How does SCOTT compare to other credit unions?
SCOTT scores 77/100, higher than 28% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (73.36% vs 83.90%).
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?
SCOTT is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.