you can see it scrapes off with a fingernail, but the peel under it isn't right, its definitely affecting the peel...it still doesn't strike me as scab? nothing I searched came up looking like this.
the second picture is just cold damage from the winter, I think unrelated, but in the interest of full disclosure. my tree doesn't have canker anymore, but I do have leafminers, a little greasy spot im working on, and generally seems to be in decline. I had 500 fruit last year, and this year there is barely 100 on the tree, do they usually alternate produce?
edited....the more I look at the cold damage the more it bothers me that my tree is dying. if the bark is the most important part for transfer of nutrients, then I have a problem here, there isn't much left. it didn't get that cold last year compared to the year before, and I didn't cover it thinking it would be ok, but the rootstock obviously didn't like it...think I killed my tree?