TellerScore

Scranton Downtown Federal Credit Union is a federal credit union headquartered in Scranton, Pennsylvania, in business for about 63 years. At the end of Q2 2026 it reported $13.2M in total assets and $11.6M in member shares and deposits, with 3 offices across 2 states.

Scranton Downtown Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 212th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 7% uninsured); earnings contributes the least (34/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.72%
Loan quality53/100
Loans 60+ days delinquent ÷ total loans: 1.41%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity100/100
Loans ÷ shares: 39.6% · 7.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.19%

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

From Q2 2025 to Q2 2026, the score rose 5 points (59 → 64), mostly because the capital cushion component improved by 26 points.

TellerScore
576572Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202457
Q4 202469
Q1 202565
Q2 202559
Q3 202572
Q4 202565
Q1 202664
Q2 202664
Net worth ratio
7.00%9.36%11.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.84%
Q3 20249.45%
Q4 202410.38%
Q1 202510.22%
Q2 20259.10%
Q3 20259.77%
Q4 202510.73%
Q1 202611.18%
Q2 202611.72%
Delinquent loans (60+ days)
0.22%1.15%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.85%
Q3 20242.07%
Q4 20241.15%
Q1 20251.20%
Q2 20251.34%
Q3 20250.22%
Q4 20251.36%
Q1 20261.38%
Q2 20261.41%
Return on assets
0.36%0.91%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.15%
Q4 20241.20%
Q1 20250.75%
Q2 20250.62%
Q3 20250.80%
Q4 20250.73%
Q1 20260.46%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$13.2M11.72%1.41%0.36%39.6%
Q1 202664$13.7M11.18%1.38%0.46%39.0%
Q4 202565$14.1M10.73%1.36%0.73%39.4%
Q3 202572$15.4M9.77%0.22%0.80%37.1%
Q2 202559$16.1M9.10%1.34%0.62%35.4%
Q1 202565$14.1M10.22%1.20%0.75%46.8%
Q4 202469$13.6M10.38%1.15%1.20%50.2%
Q3 202457$14.6M9.45%2.07%1.15%48.2%
Q2 202466$12.4M10.84%1.85%1.45%58.4%

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 ratio11.72%
29th
Problem loans1.41%
30th
Net charge-offs0.00%
77th
Return on assets0.36%
35th
Loans to deposits39.6%
79th
Uninsured deposits7.0%
13th
Loan-loss reserves0.00%
37th
Texas ratio4.2%
34th

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InstitutionScoreAssetsCapitalProblem loansCompare
Reading Berks School Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$13.2M16.6%1.07%vs
Dow Bucks County Federal Credit UnionCredit union Bristol, PA74 out of 100, Strong$13.4M21.2%1.38%vs
P C Federal Credit UnionCredit union Port Allegany, PA47 out of 100, Below average$13.5M13.3%4.15%vs
Penntech Employees Federal Credit UnionCredit union Johnsonburg, PA46 out of 100, Below average$13.9M10.3%2.90%vs
Derry Area Federal Credit UnionCredit union Derry, PA69 out of 100, Moderate$13.9M11.5%0.67%vs
Wabellco Federal Credit UnionCredit union Washington, PA74 out of 100, Strong$12.3M9.5%0.00%vs

Deposit insurance

Is my money safe at Scranton Downtown Federal Credit Union?

Yes. Scranton Downtown Federal Credit Union is a federally insured credit union (NCUA charter #15591). 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 7.0% of shares and deposits ($809K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.72%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Scranton Downtown Federal Credit Union
Type
Federal credit union
NCUA charter #
15591
RSSD ID
343686
Primary regulator
NCUA
Established
1963
Headquarters
129 Penn Ave, Scranton, PA 18503
Employees
5

Quick answers

Scranton Downtown Federal Credit Union: common questions

Is Scranton Downtown Federal Credit Union NCUA insured?

Yes. Scranton Downtown Federal Credit Union is a federally insured credit union (NCUA charter #15591). 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 Scranton Downtown Federal Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Scranton Downtown 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 Scranton

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs