Federal credit union · Scranton, Pennsylvania · NCUA charter #15591
Scranton Downtown
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $14.1M
- Total assets
- 1,453
- Members
- 11.2%
- Net-worth ratio
Scranton Downtown scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.1M; members 1,453; net-worth ratio 11.18%; health rank #3,280 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,280 of 4,374 health · 2025Q4Scranton Downtown · health 75/100 · $14.1M · 2025Q4
- CHARTER 75/100
- NCUSIF 11.2%
- CAMELS 1.36%
- HEALTH 1.16%
- NW $14.1M
- DELQ 1,453
- ROA #3,280/4,374
- ASSETS PRESIDENTS
- MEM 15591
Call Report peers
Scranton Downtown in the assets neighbourhood
Scranton Downtown's $14.1M assets sit next to PRESIDENTS ($14.1M) 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.
Scranton Downtown 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
75 24th percentile higher than 24% 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
Scranton Downtown - Share Insurance Coverage
Charter #15591's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Scranton Downtown
- Largest favorable gap: Return on Assets at 1.16% vs peer 0.70% (+0.45 pp).
- Loan-to-Share Ratio trails the peer set - 39.43% here, 59.80% peer average (-20.37 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Scranton Downtown: in-state Call Report ranks
- Pennsylvania health ordinal: #203 of 275.
- By total assets, Scranton Downtown is #193 of 275 in Pennsylvania.
- Membership ranks #189 of 275 among Pennsylvania CUs with a reported count (1,453 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Scranton Downtown Call Report trajectory
Scranton Downtown: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.1% from $14.1M (2025Q4) to $13.7M (2026Q1).
- Net-worth ratio shifted +0.45 pp (10.73% → 11.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 9.6 pts
Call Report ratios for Scranton Downtown
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.18% | -3.68 pp |
| Delinquency Rate | 1.36% | +0.21 pp |
| Return on Assets | 1.16% | +0.45 pp |
| Member Growth | -3.26% | - |
| Loan-to-Share Ratio | 39.43% | -20.37 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).
Scranton Downtown filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.7M | - |
| 2025Q4 | $14.1M | 1,453 |
| 2024Q4 | $13.6M | 1,502 |
| 2023Q4 | $14.1M | 1,747 |
Credit Union Details
- Charter Number
- 15591
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Scranton
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Scranton Downtown runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Scranton Downtown FCU (Main Office) | Scranton, PA |
| Fiserve-Cusa | Chicago, IL |
| Scranton TImes Building | Scranton, PA |
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 Scranton Downtown
Cross-state asset and health neighbours for Scranton Downtown - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Scranton Downtown ranks #3,280 of 4,374 nationally on financial health and #203 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I.B.E.W. - Local No. 5 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.B.E.W. - Local No. 5
- 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 Scranton Downtown financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Scranton Downtown's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,280 of 4,374; by total assets it ranks #3,355 of 4,374 nationally (same basis as /rankings/largest); and #193 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.18% net worth ratio and 1.36% delinquency rate are the key drivers.
How does Scranton Downtown compare to other credit unions?
Five weighted metrics from NCUA filings produce Scranton Downtown's 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Scranton Downtown?
Scranton Downtown 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 Scranton Downtown directly for the exact boundaries and application steps.
Is my money safe at Scranton Downtown?
Federal credit unions like Scranton Downtown 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. Scranton Downtown's net worth ratio of 11.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Scranton Downtown offer compared to banks?
Credit unions like Scranton Downtown 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 Scranton Downtown 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.