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
Call Report peers
Scranton Downtown in the assets neighbourhood
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Scranton Downtown vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Scranton Downtown sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Pennsylvania, American Pride (#202) ties at 75/100; one place down, Mon Valley Community (#204) scores 74/100, 1 point lower.
Scranton Downtown Call Report trajectory
Scranton Downtown: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.1% from $14.1M (2025Q4) to $13.7M (2026Q1).
- Net-worth ratio shifted +0.45 pp (10.73% → 11.18%).
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
Scranton Downtown gives up 25 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Scranton Downtown financially healthy?
On its 2025Q4 NCUA 5300 filing, Scranton Downtown scores 75/100 (Very Good), with a 11.18% net worth ratio and 1.36% of loans delinquent. It ranks #3,280 of 4,374 nationally on health and #203 of 275 in Pennsylvania.
How does Scranton Downtown compare to other credit unions?
Scranton Downtown scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.16% vs 0.70%). Its widest shortfall is loan-to-share ratio (39.43% vs 59.80%).
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?
Scranton Downtown is a federal 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. Scranton Downtown's net worth ratio of 11.18% 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.