Scott

Edwardsville, IL · 2 · Charter #66370 · www.scu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.8B
43th percentile
Members
132,358
57th percentile
Total loans
$1.2B
39th percentile
Total shares
$1.6B
45th percentile

Profitability

Return on assets
0.89%
43th percentile
Net interest margin
3.76%
85th percentile
Efficiency ratio
54.99%
35th percentile
Non-interest income ratio
18.06%
47th percentile

Capital & Risk

Net worth ratio
9.79%
27th percentile
Delinquency rate
1.04%
25th percentile
Net charge-off rate
1.07%
11th percentile
Loan-to-share
73.36%
17th percentile

Growth

Member growth YoY
-5.99%
5th percentile
Asset growth YoY
3.72%
31th percentile
Loan growth YoY
3.99%
43th percentile
Share growth YoY
2.68%
25th percentile

Operations

Members / branch
5,755
28th percentile
Assets / member
$13,675
12th percentile
Field of membership penetration
1.32%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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