Credit Union Safety Analysis
Is Scott Associates Credit Union, Inc. Safe? Marysville, Ohio
Based on its Q2 2026 NCUA 5300 call report, Scott Associates Credit Union, Inc. has a net worth ratio of 11.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.18%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Scott Associates Credit Union, Inc.'s net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.57%
- Delinquency ratio (60+ days) (Q2 2026): 1.18%
- Return on assets (Q2 2026): 0.12%
- Loan-to-share ratio (Q2 2026): 79.50%
Scott Associates Credit Union, Inc. (NCUA charter 63386, established 1967) reported $15.1M in assets and 2,011 members for Q2 2026 from Marysville, Ohio. It ranks 156 of 191 credit unions in Ohio by total assets. Total assets grew 4.0% from $14.5M on June 30, 2025. It has 127 more members than on June 30, 2025 (+6.7%). Its net worth ratio was down 0.35 percentage points from 11.92% on June 30, 2025. Used vehicle loans are its largest loan category, $6.2M of $10.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.08% for Q1 2026; 11.92% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.33% for Q1 2026; 0.39% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.08% for Q1 2026; -0.26% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 76.42% for Q1 2026; 68.81% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.2M
- New vehicle loans: $2.7M
- Other unsecured loans and lines of credit: $776K
- Unsecured credit card loans: $515K
- Other secured non-real estate loans and lines of credit: $430K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.1M | 11.57% | 1.18% | 0.12% | 79.50% |
| March 31, 2026 | $15.7M | 11.08% | 0.33% | 0.08% | 76.42% |
| December 31, 2025 | $15.5M | 11.20% | 0.76% | 0.21% | 83.67% |
| September 30, 2025 | $14.5M | 12.17% | 0.98% | 0.81% | 75.35% |
| June 30, 2025 | $14.5M | 11.92% | 0.39% | -0.26% | 68.81% |
| March 31, 2025 | $13.9M | 12.29% | 0.42% | 0.53% | 67.83% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Scott Associates Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 63386) · FFIEC NIC profile (RSSD 385499)
Frequently asked questions
Is Scott Associates Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Scott Associates Credit Union, Inc.'s net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
Is Scott Associates Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Scott Associates Credit Union, Inc. is a federally insured credit union (NCUA charter 63386): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Scott Associates Credit Union, Inc.'s key safety ratios?
For Q2 2026, Scott Associates Credit Union, Inc. reports net worth 11.57%, delinquency 1.18%, ROA 0.12%, loan-to-share 79.50%.
What happens to my money if Scott Associates Credit Union, Inc. fails?
For Q2 2026, Scott Associates Credit Union, Inc. held $13.3M in shares and deposits for 2,011 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.