SCA
Charter #444 · NEW CASTLE, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.11% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 61st — a 23-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 | SCA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.17M | 28th pct | 48th pct |
| Members | 1,647 | 30th pct | 33th pct |
| Net worth ratio | 19.61% | 83th pct | 61th pct |
| Return on average assets | 1.31% | 80th pct | 66th pct |
| Net interest margin | 3.67% | 41th pct | 46th pct |
| Cost of funds | 1.01% | 58th pct | 56th pct |
| Loan-to-share | 50.88% | 39th pct | 49th pct |
| Delinquency 60+ days | 0.11% | 22th pct | 25th pct |
| Net charge-off ratio | 0.00% | 23th pct | 30th pct |
| Loan growth YoY | -8.50% | 11th pct | 10th pct |
| Share growth YoY | 3.12% | 57th pct | 57th pct |
| Efficiency ratio | 69.36% | 25th pct | 46th pct |
structural peer set hash: fa8300f2c313f2494b0d06c33e1b626b… (reproducible)
Closest structural peers
This is the free public view
Claim SCA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.