Scott Credit Union Edwardsville, Illinois
Scott Credit Union is a state-chartered credit union headquartered in Edwardsville, IL, established in 1943 (NCUA charter 66370), and it is regulated and insured by the NCUA. At Q2 2026 it reported 131,312 members and total assets of $1.85B (up 2.7% from Q2 2025), the 9th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 10.14% at Q2 2026, in the well capitalized band.
Also written as Scott CU
BankRegReports is independent of Scott Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66370
- Headquarters
- Edwardsville, IL
- Established
- 1943
- Total assets, Q2 2026
- $1.85B
- Assets vs Q2 2025
- +2.7%
- Members, Q2 2026
- 131,312
- Net worth ratio, Q2 2026
- 10.14%
- Latest call report
- Q2 2026, NCUA 5300 · Scott Credit Union call report
- Asset rank in state
- 9th of 185 in Illinois
- Routing number
- 281077522
- Branches
- 24
It has 5,499 fewer members than on June 30, 2025 (-4.0%). Its net worth ratio was up 0.63 percentage points from 9.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $591.9M of $1.27B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.14% net worth ratio is below that band's 10.89% median.
Credit unions merged into Scott Credit Union
South Division Credit Union (2021)
Frequently asked about Scott Credit Union
How big is Scott Credit Union?
At Q2 2026 it reported total assets of $1.85B and 131,312 members.
Where is Scott Credit Union headquartered?
It is headquartered in Edwardsville, IL, United States.
When was Scott Credit Union founded?
It was established in 1943, per NCUA records.
Is Scott Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66370): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Scott Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Scott Credit Union well capitalized?
Its net worth ratio was 10.14% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Scott Credit Union's delinquency ratio?
Its delinquency ratio was 0.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Scott Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Edwardsville, IL 62025
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1943
- NCUA Charter #
- 66370
- RSSD ID
- 614199
- Members
- 131,312
- Potential members
- 10,004,816
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.14% | 10.89% | 33rd below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.15% | 0.89% | 68th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.38% | 8.07% | 78th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.83% | 3.45% | 76th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 73.46% | 70.59% | 39th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.52% | 1.68% | 63rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.54% | 0.68% | 66th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.35% | 5.12% | 67th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 77.68% | 88.03% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.85B total assets against $1.80B; $1.64B total shares and deposits against $1.61B; $1.27B total loans against $1.11B.
$187.8M net worth against $171.7M.
10.14% net worth ratio against 9.51%.
77.68% loan-to-share ratio against 69.18%.
0.54% delinquency ratio against 0.96%.
1.15% return on assets against 1.02%; 11.38% return on equity against 10.68%.
3.83% net interest margin against 3.86%.
131,312 members against 136,811.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.14% | 1.15% | 0.54% | 77.68% |
| March 31, 2026 | 9.89% | 1.12% | 0.75% | 73.66% |
| December 31, 2025 | 9.79% | 0.26% | 1.04% | 73.36% |
| September 30, 2025 | 9.96% | 1.14% | 0.93% | 73.04% |
| June 30, 2025 | 9.51% | 1.02% | 0.96% | 69.18% |
| March 31, 2025 | 9.37% | 0.12% | 1.18% | 69.40% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.