# SCOTT
Edwardsville, IL · NCUA charter 66370 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/scott-66370

Who the members are: state charter, organized 1943. 131,552 members of 10,004,816 potential (1.3% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 95.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.84B |
| Members | 131,552 (-5.2% YoY) |
| Full-time staff | 325 |
| Net worth | $182.4M |
| Net worth ratio | 9.9% (p31 of band) |
| ROA (annualized) | 1.12% (p80 of band) |
| Total delinquency | 0.75% (p64 of band) |
| Net charge-offs (annualized) | 1.15% (p91 of band) |
| Loans / shares | 74% (p20 of band) |
| Cash / assets | 18.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p80 of band) |
| Operating expense / assets | 3.63% (p72 of band) |
| Vehicles % of loans | 44% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 317% (p86 of band) |
| Vehicle delinquency | 0.92% (p74 of band) |
| Vehicle NCO | 2.28% (p89 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 21% |
| Average share balance | $6,631 |
| Participations bought / yr | $58.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $77.7M |
| Loans outstanding per 100 members | 95% |
| Loans granted per 100 members, annualized | 43% |
| Average loan balance | $9,652 |
| Loans granted, annualized | $613.4M |

## Participation posture (from the same filings)

Bought $58.5M and sold $0 in the latest annualized quarter; $77.7M outstanding purchased (42.6% of net worth), $180,326 sold and retained. Sold in 3 and bought in 5 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 3 |  | charge-offs p90, net worth falling |
| 2017-06 | 2 |  | thin capital |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | loans>95% of shares | charge-offs p90 |
| 2018-09 | 4 | leaning on borrowings |  |
| 2018-12 | 5 | delinquency 2x band |  |
| 2019-03 | 5 | charge-offs p90 | loans>95% of shares |
| 2019-06 | 5 |  |  |
| 2019-09 | 3 |  | auto monoline, leaning on borrowings |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 3 |  | charge-offs p90 |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | thin capital, net worth falling, charge-offs p90 |  |
| 2021-06 | 4 | expense trap | delinquency 2x band, net worth falling |
| 2021-09 | 3 |  | expense trap |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | charge-offs p90 |
| 2022-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 | leaning on borrowings | delinquency rising |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | thin capital, leaning on borrowings |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | members leaving | delinquency 2x band |
| 2024-09 | 4 | assets shrinking |  |
| 2024-12 | 4 | loan book shrinking | assets shrinking |
| 2025-03 | 5 | net worth falling, delinquency 2x band | loan book shrinking |
| 2025-06 | 3 |  | net worth falling, delinquency 2x band |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | charge-offs p90 |
| 2026-03 | 3 | charge-offs p90 |  |

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

- 2026-01-09 [Edwardsville School District #7 Schools Awarded Four Scott Credit Union Community Foundation Grants - RiverBender.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNLVZMS3BqX1huWXRGbzNBSXRQUkpVOUl2N0gzeDdxRU5Tdi1DVFFsaUZvcXBkNE80QXNLaFlPd0UtZzBTbi1BeWRNRW5WTnAycC1fRVRjZUxDeVN6LUYybzhQeGsyeVhSYmxzUXJRMnR3OE1mek8zdEdvX19UbVVaZ2RXcGdod0hhRXVsRjRwZ0dDNkVpdk1jZEkyTlJEUllTc1VZQlFtcEVCVkJteGxSZFA1eGdsdEU5bXgyRkV6aWFUWG9HeE9PeGlTOGJZelJKZnljV2lFQTZWdTFhamh0VnZqTUMydw?oc=5) · RiverBender.com
- 2026-03-12 [Swansea bank robbery suspect demanded $3K. He got more than that - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiakFVX3lxTFB0aXcxWFRHNDZjTm9LcWhnRGhuVlZ5elFSYUEzNldZaGNfMnZZdS1jT0Nzcy1hNkFDdjd2X1dHRUxaZE5MU28xVUFCWEZJeXlYQm52SlJONVNmaWNjT1dkXzBMZ1JURXJDeXfSAWpBVV95cUxNQ1I1cmFjaldfaFJLWHhJUW1hSHk5QzhrNFRkZHl4eDRPanoyYjI0ZVZlOTVvRHhadFVXd3FIQlRldFowLS13WkloREU2a0ZnT1RVRGlQSlFmb2RPaDVtQXY3YWcxcWFLQy1B?oc=5) · Belleville News-Democrat
- 2026-03-12 [Federal charges for man accused of robbing Swansea credit union - FOX 2](https://news.google.com/rss/articles/CBMinwFBVV95cUxQVVU4bnR3Q0NTMzRueVBVbjZjMzVvcjdoX3FRV0M1cTRVdXEwY0pUdnNfSUwxakdwang3aVRzN2xKa2V2cUNwYVJUY0FNS3dmY2dySC1XYnhseVMyZ2dTeDJFcW5jcmlUVkxfOW5EM21OSExtdzRvX2pfOUhFUXpmM0RSejFOc1dQbFVJZEFNS0JCME9NSU5kTEo4Rkhpb2PSAaQBQVVfeXFMTm5RRDd0MFV4b2N1MG54LUEweVJwY1dWd05ZLUdZZVozbVgya05nRkdhX0N4b2Iwd3dqajZBaTVtcmVLdENjSlF0d0lGOUdLTjhWeHpwM05FMkZIeXhHZEVVdVcwM040LUxOWUNoTFdST2hKVEpJckVFSkJKQl9fa0VrQjJNdldpLVNGOV9YU3E1alJldnVuRFRJMlVmcDhQRU9DNGY?oc=5) · FOX 2
- 2026-06-18 [Aldi store moving forward in Highland, expected to open by year’s end - The Troy Times Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxOVURCQ0NPMFRwUWIwNjFzazh5aHpMQTJLcllqbVRfa1B2d0p6Rm1zdzBlWGp1cFlibENBWmpKQUFsTUpfcjFUbXlRckxyRUh2NkRFNUgwLWF1ZkFmUkZZNlcwWUV1Vjk4cm0yY3pwV2xNUnVtY2ExdWJyQllnUDlXMzFZRE9oVnEzdFMzZ1hyQVlnelpfNlpUQW1aS1o3WWZXR1BxOWp6WV9Ud1NoalFvVDVR?oc=5) · The Troy Times Tribune
- 2024-10-04 [Scott Credit Union renews partnership with Blues for 5 years | St. Louis Blues - nhl.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPb0NaQjZYVWVqQjJGS1QxVGxYOWRQZzRvLVlod1hNb3dneFQzVHBwNWVybUlrMTBma2xBQjMwdktlTTRndDBEM3hBcVBNbnZSU1VTZjZCX19xa0hSck9peU1Balk2MXoxdkJfSk1POE5uWDNqWE0yYTJSMVp6clZjeWdqRGoxVXBCa3pfMGYzTG1GOURGcXc?oc=5) · nhl.com
- 2022-03-16 [Scott Credit Union marks the opening of new Ballpark Village location with ribbon cutting - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxNdlp4NmU3Si04ZmpWVFdCbENIeWlIOVhUQjg4dVBsdzl0dWhDbC1jbDk5TVZ3TkI5VEJOelhuZkJPWFh1LS1QWS1Jc1dLeUFiSHlGbGVFUGhmVUF3WUdHOGlIcFdlMGtpN0RNZEF3V04wS1k5N2ZPcmZKLTRiSzhLRWI2R296dUNoMy15NmROWVFWcVhjUUFTUzN2a3VsQmdrc3JhcnpZREpLTldZWHNxbnBGell3S0duUWVQdU11UnkwRjVnTDh5T2xB?oc=5) · CUInsight
- 2022-07-19 [Scott Credit Union promotes vice president to chief operating officer - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNNXNwNzdqZF9OM2RYT3V1UTVHTThtcDNDT3J0c25hRUYxVFdGOGd1VzJubXZDekFkRzdXTVdCbHIzMG1EQUJneGwyclpnY3dkOWVyeFFDSWVHU0o1UElrYjJpRjhPcnMwVURERS1mOGJ5NTB4c2FJY1hmWElxZDVxd1JjeTdUaG9iTzhuRVRKcXFmbl9OTzE4cHZ0eS1XRWRjUjBqeG53?oc=5) · The Business Journals
- 2024-03-07 [Padak found a home at Scott Credit Union - theintelligencer.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQMHM5VE1XMjhaZm94Z2g4TWpkYUpXeS1xSkZmUlBVN3JOZkJxX213aGlqY3pwa1FRTHN0MkZVMzNlaE9kejRjN2FHRWhBY2o5UzgtUEhhV3V5c0RjWEZiNlVadEhJQmVCbUoySXpLd3Nqc1ppZE03aU5rZE96dHpMTkFWSWhaVkJvY0k2VERSVngxN0xXUlphZDV3?oc=5) · theintelligencer.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66370 (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/2.json (key "66370", 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=66370
- 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.

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