TellerScore

Sca Federal Credit Union is a federal credit union headquartered in New Castle, Pennsylvania, in business for about 91 years. At the end of Q2 2026 it reported $17.4M in total assets and $14.2M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Sca Federal Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 20th. Its strongest component is capital cushion (100/100; 19.67%), and its lowest is earnings (73/100; 1.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.67%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings73/100
Return on assets (annualized): 1.34%
Funding & liquidity100/100
Loans ÷ shares: 49.1% · 1.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (95 → 94).

TellerScore
909395Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202491
Q4 202493
Q1 202592
Q2 202595
Q3 202595
Q4 202592
Q1 202693
Q2 202694
Net worth ratio
7.00%13.37%19.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.13%
Q3 202418.35%
Q4 202418.71%
Q1 202518.94%
Q2 202518.97%
Q3 202519.55%
Q4 202519.73%
Q1 202619.61%
Q2 202619.67%
Delinquent loans (60+ days)
0.06%0.39%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.67%
Q4 20240.41%
Q1 20250.39%
Q2 20250.06%
Q3 20250.09%
Q4 20250.34%
Q1 20260.11%
Q2 20260.09%
Return on assets
1.29%1.43%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.56%
Q3 20241.57%
Q4 20241.56%
Q1 20251.37%
Q2 20251.38%
Q3 20251.42%
Q4 20251.41%
Q1 20261.29%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$17.4M19.67%0.09%1.34%49.1%
Q1 202693$17.2M19.61%0.11%1.29%50.9%
Q4 202592$16.8M19.73%0.34%1.41%53.9%
Q3 202595$16.6M19.55%0.09%1.42%57.3%
Q2 202595$16.8M18.97%0.06%1.38%57.3%
Q1 202592$16.5M18.94%0.39%1.37%58.7%
Q4 202493$16.4M18.71%0.41%1.56%60.2%
Q3 202491$16.4M18.35%0.67%1.57%60.1%
Q2 202490$16.2M18.13%0.71%1.56%60.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.67%
76th
Problem loans0.09%
81st
Net charge-offs0.00%
77th
Return on assets1.34%
80th
Loans to deposits49.1%
66th
Uninsured deposits1.9%
46th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
82nd

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InstitutionScoreAssetsCapitalProblem loansCompare
Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA84 out of 100, Strong$17.6M15.4%0.64%vs
Saint Vincent Erie Federal Credit UnionCredit union Erie, PA77 out of 100, Strong$17.9M12.2%0.86%vs
Kinzua Federal Credit UnionCredit union Warren, PA88 out of 100, Very strong$16.7M14.7%0.11%vs
Hill District Federal Credit UnionCredit union Pittsburgh, PA58 out of 100, Moderate$16.5M25.5%26.24%vs
Stanwood Area Federal Credit UnionCredit union New Stanton, PA62 out of 100, Moderate$18.6M10.4%1.07%vs
Southwest Communities Federal Credit UnionCredit union Carnegie, PA69 out of 100, Moderate$18.6M10.3%0.17%vs

Deposit insurance

Is my money safe at Sca Federal Credit Union?

Yes. Sca Federal Credit Union is a federally insured credit union (NCUA charter #444). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.9% of shares and deposits ($263K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Sca Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sca Federal Credit Union
Type
Federal credit union
NCUA charter #
444
RSSD ID
967774
Primary regulator
NCUA
Established
1935
Headquarters
2656 Ellwood Rd Unit 1, New Castle, PA 16101
Employees
4

Quick answers

Sca Federal Credit Union: common questions

Is Sca Federal Credit Union NCUA insured?

Yes. Sca Federal Credit Union is a federally insured credit union (NCUA charter #444). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Sca Federal Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Sca Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near New Castle

InstitutionScoreAssetsCapitalProblem loansCompare
Freedom United Federal Credit UnionCredit union Rochester, PA93 out of 100, Very strong$94.2M19.0%0.84%vs
Grove City Area Federal Credit UnionCredit union Grove City, PA87 out of 100, Very strong$152.8M15.3%1.33%vs
Elliott Community Federal Credit UnionCredit union Jeannette, PA86 out of 100, Very strong$53.7M15.2%0.38%vs
Doy Federal Credit UnionCredit union Youngstown, OH85 out of 100, Very strong$70.8M14.1%0.25%vs
Sru Federal Credit UnionCredit union Slippery Rock, PA83 out of 100, Strong$67.1M12.8%0.54%vs
First Choice Federal Credit UnionCredit union New Castle, PA82 out of 100, Strong$94.5M12.6%0.79%vs