Credit union
Scott Credit Union
Edwardsville, Illinois, Madison County, IL
$1.9B in total assets and 131,312 members, the 276th largest of 4,298 US credit unions and 9th of 173 headquartered in Illinois.
- NCUA charter
- 66370
- Charter
- State chartered (IL)
- Chartered
- 1943
- NCUA insured since
- 1985
- Website
- https://www.scu.org
At a glance
Compared with 11 federally insured credit unions in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.9B | 36% | $2.3B | |
| Loans | $1.3B | 46% | $1.9B | |
| Deposits (shares) | $1.6B | 36% | $2.0B | |
| Members | 131,312 | 54% | 113,388 | |
| Return on assets | 1.15% | 73% | 0.74% | |
| Net interest income to assets | 3.84% | 91% | 3.34% | |
| Efficiency ratio | 73.3% | 64% | 69.7% | |
| Net worth ratio | 10.14% | 46% | 10.25% | |
| Loans to shares | 78% | 18% | 90% | |
| Cost of deposits | 1.27% | 9% | 2.00% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 5.7% a year over 10 years and 3.6% a year over the last 5, including 2 mergers in the last 10 years. Membership fell 1.9% a year over 5 years, to 131,312.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jun 2022 | Tempo Bank, A Federal Savings Bank Bank, Trenton, IL | $89M |
| Sep 2021 | South Division Credit Union Credit union, Evergreen Park, IL | $52M |
| Dec 2010 | Abbco Community Credit Union Credit union, East Alton, IL | $2M |
Where they operate
23 branches in 7 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| St. Clair County, IL | 7 | 8.0% | 3 of 35 |
| Madison County, IL | 6 | 5.5% | 6 of 34 |
| St. Louis County, MO | 4 | 1.0% | 26 of 83 |
| Clinton County, IL | 2 | 8.0% | 5 of 14 |
| Monroe County, IL | 2 | 8.3% | 5 of 13 |
| Cook County, IL | 1 | 0.1% | 87 of 171 |
| St. Louis (city) County, MO | 1 | 5.3% | 3 of 11 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 15 | |
| 2017 | 15 | 0 |
| 2018 | 14 | −1 |
| 2019 | 17 | +3 |
| 2020 | 20 | +3 |
| 2021 | 23 | +3 |
| 2022 | 25 | +2 |
| 2023 | 24 | −1 |
| 2024 | 24 | 0 |
| 2025 | 23 | −1 |
| Jun 2026 | 23 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.54% | 0.92% |
| Net worth ratio | 10.14% | 10.25% |
| Loans to shares | 78% | 90% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Illinois
Most branches in St. Clair County, IL
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.