SCOTT
Charter #66370 · Edwardsville, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 131,552 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.13% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.81% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.17% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 72nd — a 30-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 | SCOTT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.84B | 42th pct | 72th pct |
| Members | 131,552 | 55th pct | 77th pct |
| Net worth ratio | 9.89% | 30th pct | 33th pct |
| Return on average assets | 1.13% | 79th pct | 85th pct |
| Net interest margin | 3.81% | 80th pct | 75th pct |
| Cost of funds | 1.65% | 44th pct | 62th pct |
| Loan-to-share | 73.66% | 20th pct | 30th pct |
| Delinquency 60+ days | 0.75% | 62th pct | 70th pct |
| Net charge-off ratio | 1.17% | 91th pct | 90th pct |
| Loan growth YoY | 4.91% | 81th pct | 82th pct |
| Share growth YoY | 4.02% | 49th pct | 36th pct |
| Efficiency ratio | 73.10% | 52th pct | 41th pct |
structural peer set hash: d5e5db679bc0ba368f5781e1d737b633… (reproducible)
Closest structural peers
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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.