Federal credit union · NORTH CHARLESTO, South Carolina · NCUA charter #21971
CPM
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $701.5M
- Total assets
- 66,353
- Members
- 9.3%
- Net-worth ratio
CPM scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $701.5M; members 66,353; net-worth ratio 9.34%; health rank #2,472 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,472 of 4,374 health · 2025Q4CPM · health 82/100 · $701.5M · 2025Q4
Call Report peers
CPM in the assets neighbourhood
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CPM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CPM sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
CPM vs Over $500M peers
- Largest favorable gap: Return on Assets at 0.68% vs peer 0.51% (+0.17 pp).
- Largest lag: Loan-to-Share Ratio at 75.93% vs peer 83.90% (-7.97 pp).
CPM in South Carolina
- Health composite ranks #32 of 46 among scored South Carolina credit unions.
- Assets rank #12 of 46 inside South Carolina ($701.5M reported).
- Member book place in South Carolina: #10 of 46.
- One place up in South Carolina, CARO (#31) ties at 82/100; one place down, MTC (#33) scores 80/100, 2 points lower.
CPM Call Report trajectory
CPM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.8% from $701.5M (2025Q4) to $742.0M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.55% → 9.34%).
At 9.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
CPM gives up 18 points in total. Delinquency Rate costs the most, 13.6 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 11.4 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.6 pts
CPM health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.34% | -1.84 pp |
| Delinquency Rate | 2.18% | +1.30 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | 3.02% | - |
| Loan-to-Share Ratio | 75.93% | -7.97 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
CPM quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $742.0M | - |
| 2025Q4 | $701.5M | 66,353 |
| 2024Q4 | $656.1M | 64,409 |
| 2023Q4 | $620.4M | 62,758 |
Credit Union Details
- Charter Number
- 21971
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- NORTH CHARLESTO
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for CPM, spread across 9 cities.
| Office | City |
|---|---|
| Support Center (Main Office) | North Charleston, SC |
| Beaufort Main | Beaufort, SC |
| Beaufort Port Royal | Beaufort, SC |
| Bluffton | Bluffton, SC |
| Greenville Butler Road | Greenville, SC |
| Greenville Augusta Street | Greenville, SC |
| Greer | Greer, SC |
| North Charleston | North Charleston, SC |
| Orangeburg | Orangeburg, SC |
| Simpsonville | Simpsonville, SC |
| Spartanburg | Spartanburg, SC |
| Summerville | Summerville, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- CPM ranks #2,472 of 4,374 nationally on financial health and #32 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spero Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spero Financial
Frequently Asked Questions
Is CPM financially healthy?
CPM has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,472 of 4,374 nationally on health and #32 of 46 in South Carolina. Its net worth ratio is 9.34% and its delinquency rate 2.18%.
How does CPM compare to other credit unions?
CPM scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.68% vs 0.51%). Its widest shortfall is loan-to-share ratio (75.93% vs 83.90%).
How can I join CPM?
CPM 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 CPM directly for the exact boundaries and application steps.
Is my money safe at CPM?
CPM is a federal credit union; its shares are federally 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. CPM's net worth ratio of 9.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.