Federal credit union · Cayce, South Carolina · NCUA charter #24627
1st Cooperative
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $21.4M
- Total assets
- 2,500
- Members
- 12.6%
- Net-worth ratio
1st Cooperative scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.4M; members 2,500; net-worth ratio 12.61%; health rank #2,734 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,734 of 4,374 health · 2025Q41st Cooperative · health 80/100 · $21.4M · 2025Q4
- ROA 80/100
- ASSETS 12.6%
- MEM 0.41%
- RANK -0.20%
- PHOTO $21.4M
- BOOK 2,500
- CHARTER #2,734/4,374
- NCUSIF CO-OPERATIVE
- CAMELS 24627
Call Report peers
1st Cooperative in the assets neighbourhood
1st Cooperative's $21.4M assets sit next to CO-OPERATIVE ($21.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Cooperative vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Cooperative - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24627 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
1st Cooperative: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 83.25% vs peer 59.80% (+23.45 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.25 pp (12.61% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Carolina standing for 1st Cooperative
- South Carolina health ordinal: #34 of 46.
- By total assets, 1st Cooperative is #38 of 46 in South Carolina.
- South Carolina membership ordinal: #37 of 46.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for 1st Cooperative
1st Cooperative: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $21.4M (2025Q4) to $22.0M (2026Q1).
- Net-worth ratio shifted -1.77 pp (14.38% → 12.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.7 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for 1st Cooperative
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.61% | -2.25 pp |
| Delinquency Rate | 0.41% | -0.74 pp |
| Return on Assets | -0.20% | -0.91 pp |
| Member Growth | -0.87% | - |
| Loan-to-Share Ratio | 83.25% | +23.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - 1st Cooperative
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.0M | - |
| 2025Q4 | $21.4M | 2,500 |
| 2024Q4 | $21.3M | 2,522 |
| 2023Q4 | $23.7M | 2,598 |
Credit Union Details
- Charter Number
- 24627
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- Cayce
- Data Quarter
- 2025Q4
Branch Location
1st Cooperative operates a single office in Cayce, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Cayce, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
1st Cooperative nationwide neighbourhoods
1st Cooperative's nationwide photo peers by assets and by health score, excluding South Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- 1st Cooperative ranks #2,734 of 4,374 nationally on financial health and #34 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S C I is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S C I
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Cooperative financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - 1st Cooperative's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,734 of 4,374; by total assets it ranks #3,102 of 4,374 nationally (same basis as /rankings/largest); and #38 of 46 within South Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.61% net worth ratio and 0.41% delinquency rate are the key drivers.
How does 1st Cooperative compare to other credit unions?
Five weighted metrics from NCUA filings produce 1st Cooperative's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Cooperative?
1st Cooperative operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1st Cooperative directly for the exact boundaries and application steps.
Is my money safe at 1st Cooperative?
Federal credit unions like 1st Cooperative are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Cooperative's net worth ratio of 12.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Cooperative offer compared to banks?
Credit unions like 1st Cooperative are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Cooperative directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.