Credit Union Safety Analysis
Is Scranton Downtown Federal Credit Union Safe? Scranton, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Scranton Downtown Federal Credit Union has a net worth ratio of 11.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.41%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Scranton Downtown Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Scranton Downtown Federal Credit Union's net worth ratio is 11.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.72%
- Delinquency ratio (60+ days) (Q2 2026): 1.41%
- Return on assets (Q2 2026): 0.25%
- Loan-to-share ratio (Q2 2026): 39.65%
Scranton Downtown Federal Credit Union (NCUA charter 15591, established 1963) reported $13.2M in assets and 1,349 members for Q2 2026 from Scranton, Pennsylvania. It ranks 198 of 269 credit unions in Pennsylvania by total assets. Total assets fell 18.3% from $16.1M on June 30, 2025. It has 109 fewer members than on June 30, 2025 (-7.5%). Its net worth ratio was up 2.62 percentage points from 9.10% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.5M of $4.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.41% 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: 11.18% for Q1 2026; 9.10% 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: 1.38% for Q1 2026; 1.34% 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: 0.46% for Q1 2026; 0.58% 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: 39.01% for Q1 2026; 35.41% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.5M
- New vehicle loans: $435K
- Used vehicle loans: $367K
- Unsecured credit card loans: $196K
- Other unsecured loans and lines of credit: $104K
- Other secured non-real estate loans and lines of credit: $30K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $13.2M | 11.72% | 1.41% | 0.25% | 39.65% |
| March 31, 2026 | $13.7M | 11.18% | 1.38% | 0.46% | 39.01% |
| December 31, 2025 | $14.1M | 10.73% | 1.36% | 0.32% | 39.43% |
| September 30, 2025 | $15.4M | 9.77% | 0.22% | 1.09% | 37.10% |
| June 30, 2025 | $16.1M | 9.10% | 1.34% | 0.58% | 35.41% |
| March 31, 2025 | $14.1M | 10.22% | 1.20% | 0.75% | 46.81% |
Add this badge to your website
Free to use. It shows Scranton Downtown Federal Credit Union’s latest filed figures and updates each quarter.
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.
Scranton Downtown Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15591) · FFIEC NIC profile (RSSD 343686)
Frequently asked questions
Is Scranton Downtown Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Scranton Downtown Federal Credit Union's net worth ratio is 11.72%, above the 7% NCUA threshold for well capitalized.
Is Scranton Downtown Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Scranton Downtown Federal Credit Union is a federally insured credit union (NCUA charter 15591): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Scranton Downtown Federal Credit Union's key safety ratios?
For Q2 2026, Scranton Downtown Federal Credit Union reports net worth 11.72%, delinquency 1.41%, ROA 0.25%, loan-to-share 39.65%.
What happens to my money if Scranton Downtown Federal Credit Union fails?
For Q2 2026, Scranton Downtown Federal Credit Union held $11.6M in shares and deposits for 1,349 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.