# SCRANTON DOWNTOWN
Scranton, PA · NCUA charter 15591 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/scranton-downtown-15591

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 1,368 members of 2,500 potential (54.7% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.7M |
| Members | 1,368 (-7.1% YoY) |
| Full-time staff | 4 |
| Net worth | $1.5M |
| Net worth ratio | 11.2% (p24 of band) |
| ROA (annualized) | 0.46% (p44 of band) |
| Total delinquency | 1.38% (p69 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 39% (p23 of band) |
| Cash / assets | 64.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.28% (p66 of band) |
| Operating expense / assets | 4.06% (p61 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 1% |
| Average share balance | $5,680 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $10,371 |
| Loans granted, annualized | $163,420 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | losing money |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | assets shrinking, members leaving |  |
| 2017-06 | 3 |  | losing money |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | net worth falling, losing money | assets shrinking |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | delinquency rising |  |
| 2018-09 | 3 |  | losing money, delinquency rising |
| 2018-12 | 6 | thin capital, losing money, delinquency rising |  |
| 2019-03 | 3 |  | net worth falling, losing money, delinquency rising |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 3 |  | net worth falling |
| 2020-06 | 4 | losing money |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | net worth falling, margin squeeze |  |
| 2021-06 | 5 |  | losing money |
| 2021-09 | 7 | capital below 7% |  |
| 2021-12 | 8 | loan book shrinking |  |
| 2022-03 | 6 |  | net worth falling, loan book shrinking |
| 2022-06 | 4 | delinquency rising | margin squeeze, capital below 7% |
| 2022-09 | 3 | assets shrinking | members leaving, delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | delinquency rising, members leaving |  |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 4 | delinquency rising | assets shrinking |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 2 |  | thin capital |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency 2x band |
| 2025-03 | 2 | margin squeeze | assets shrinking |
| 2025-06 | 4 | net worth falling, loan book shrinking |  |
| 2025-09 | 2 |  | margin squeeze, net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency 2x band |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-03 [For the Record - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE44aXkwRXRXQ21NamY2TTJyakEyenBWSU5QRUFxZTZSWlpmWk5pTUZDTkpiMG1uUnMtSlZscmhZX0JhVUwzZ2lvSDdkampWcDlzNnpZZlJwZVROSVVXQ19ZNW9vbHJRU1RzNnVWWlBNRUM?oc=5) · Scranton Times-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15591 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/39.json (key "15591", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15591
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide