State credit union · Columbia, South Carolina · NCUA charter #61260
Curis Financial
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $87.2M
- Total assets
- 9,382
- Members
- 22.6%
- Net-worth ratio
Curis Financial scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.2M; members 9,382; net-worth ratio 22.61%; health rank #2,044 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,044 of 4,374 health · 2025Q4Curis Financial · health 84/100 · $87.2M · 2025Q4
- PHOTO 84/100
- BOOK 22.6%
- CHARTER 0.38%
- NCUSIF 1.19%
- CAMELS $87.2M
- HEALTH 9,382
- NW #2,044/4,374
- DELQ Adirondack Regional
- ROA 61260
Call Report peers
Curis Financial in the assets neighbourhood
Curis Financial's $87.2M assets sit next to Adirondack Regional ($87.3M) 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.
Curis Financial 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
84 Top 50% higher than 50% 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
Curis Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61260: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Curis Financial
- Largest favorable gap: Net Worth Ratio at 22.61% vs peer 13.62% (+8.99 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.76 pp (59.84% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Curis Financial sits in South Carolina
- Health composite ranks #27 of 46 among scored South Carolina credit unions.
- By total assets, Curis Financial is #25 of 46 in South Carolina.
- Member book place in South Carolina: #22 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.
Curis Financial Call Report trajectory
Curis Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $87.2M (2025Q4) to $87.1M (2026Q1).
- Net-worth ratio shifted +0.14 pp (22.47% → 22.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.61% | +8.99 pp |
| Delinquency Rate | 0.38% | -0.59 pp |
| Return on Assets | 1.19% | +0.54 pp |
| Member Growth | -4.21% | - |
| Loan-to-Share Ratio | 59.84% | -2.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Curis Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $87.1M | - |
| 2025Q4 | $87.2M | 9,382 |
| 2024Q4 | $88.1M | 9,794 |
| 2023Q4 | $92.3M | 10,169 |
Credit Union Details
- Charter Number
- 61260
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- South Carolina
- City
- Columbia
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Curis Financial, spread across 2 cities.
| Office | City |
|---|---|
| Curis Financial Credit Union - Corporate offices (Main Office) | Columbia, SC |
| Curis Financial Credit Union - Richland Branch | Columbia, SC |
| Curis Financial Credit Union - Baptist Branch | Columbia, SC |
| Curis Financial Credit Union - Parkridge Branch | Columbia, SC |
| Curis Financial Credit Union - Easley Branch | Easley, 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.
Other-state peers near Curis Financial
Cross-state asset and health neighbours for Curis Financial - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($87.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Curis Financial ranks #2,044 of 4,374 nationally on financial health and #27 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Santee Cooper Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Santee Cooper Credit Union
- 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 Curis Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Curis Financial carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,044 of 4,374; by total assets it ranks #1,944 of 4,374 nationally (same basis as /rankings/largest); and #25 of 46 within South Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.61% net worth ratio and a 0.38% delinquency rate.
How does Curis Financial compare to other credit unions?
84/100 is Curis Financial's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Curis Financial?
Membership eligibility for Curis Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Curis Financial directly for current membership requirements and application steps.
Is my money safe at Curis Financial?
Federal credit unions like Curis Financial 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. Curis Financial's net worth ratio of 22.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Curis Financial offer compared to banks?
Credit unions like Curis Financial 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 Curis Financial 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.