State credit union · Columbia, South Carolina · NCUA charter #61260
Curis Financial
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $87.2M
- Total assets
- 9,382
- Members
- 22.5%
- Net-worth ratio
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.
Curis Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth10
- Liquidity (loan-to-share)85
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
22.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.47% | 30% |
| Delinquency Rate | 0.38% | 25% |
| Return on Assets | 1.19% | 15% |
| Member Growth | -4.21% | 15% |
| Loan-to-Share Ratio | 59.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Curis Financial
Charter #61260, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Curis Financial, a state credit union in Columbia, South Carolina with 9,382 members, $87.2M in total assets, and $41.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 22.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.38% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 59.84% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.19% on net income of $1.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.21%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.47% 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 22.47% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.