Federal credit union · Scranton, Pennsylvania · NCUA charter #15591
Scranton Downtown
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $14.1M
- Total assets
- 1,453
- Members
- 10.7%
- Net-worth ratio
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.
Scranton Downtown - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)69
- Earnings (ROA)100
- Member growth21
- Liquidity (loan-to-share)64
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.73% | 30% |
| Delinquency Rate | 1.36% | 25% |
| Return on Assets | 1.16% | 15% |
| Member Growth | -3.26% | 15% |
| Loan-to-Share Ratio | 39.43% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Scranton Downtown
The five-factor composite scores Scranton Downtown at 75/100 (Very Good), reflecting a net worth ratio of 10.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Scranton, Pennsylvania, reports 1,453 members, $14.1M in total assets, and $5.0M in outstanding loans as of Q4 2025 under charter #15591 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
1.36% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 39.43% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.16% on net income of $164K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.26%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.73% 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 10.73% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.