SCRANTON DOWNTOWN
Charter #15591 · Scranton, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,368 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.21% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 92nd — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SCRANTON DOWNTOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.71M | 15th pct | 13th pct |
| Members | 1,368 | 19th pct | 20th pct |
| Net worth ratio | 11.18% | 28th pct | 38th pct |
| Return on average assets | 0.45% | 39th pct | 52th pct |
| Net interest margin | 4.21% | 68th pct | 92th pct |
| Cost of funds | 0.06% | 4th pct | 0th pct |
| Loan-to-share | 39.01% | 20th pct | 26th pct |
| Delinquency 60+ days | 1.38% | 76th pct | 67th pct |
| Net charge-off ratio | 0.00% | 23th pct | 25th pct |
| Loan growth YoY | -8.12% | 13th pct | 15th pct |
| Share growth YoY | -12.61% | 0th pct | 0th pct |
| Efficiency ratio | 89.90% | 73th pct | 64th pct |
structural peer set hash: 28e0e0863d7a8dc4d88fa9bfb05dd90d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.