Federal credit union · ORANGEBURG, South Carolina · NCUA charter #1397
EDISTO
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $23.4M
- Total assets
- 2,800
- Members
- 17.3%
- Net-worth ratio
EDISTO scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.4M; members 2,800; net-worth ratio 17.28%; health rank #1,902 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,902 of 4,374 health · 2025Q4EDISTO · health 85/100 · $23.4M · 2025Q4
Call Report peers
EDISTO in the assets neighbourhood
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EDISTO vs every NCUA-scored credit union
EDISTO sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for EDISTO
- Net Worth Ratio leads the peer set - 17.28% here, 14.86% peer average (+2.42 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.46 pp (58.34% vs 59.80%).
Where EDISTO sits in South Carolina
- Health composite ranks #24 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #36 of 46.
- Membership ranks #35 of 46 among South Carolina CUs with a reported count (2,800 members).
- One place up in South Carolina, Mid Carolina (#23) scores 86/100, 1 point higher; one place down, S C I (#25) ties at 85/100.
EDISTO: 2025Q4 → 2026Q1
EDISTO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $23.4M (2025Q4) to $23.4M (2026Q1).
- Net-worth ratio shifted +0.12 pp (17.16% → 17.28%).
17.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
EDISTO gives up 15 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 12.6 pts
EDISTO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.28% | +2.42 pp |
| Delinquency Rate | 1.15% | +0.00 pp |
| Return on Assets | 1.20% | +0.49 pp |
| Member Growth | -0.28% | - |
| Loan-to-Share Ratio | 58.34% | -1.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
EDISTO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.4M | - |
| 2025Q4 | $23.4M | 2,800 |
| 2024Q4 | $23.0M | 2,808 |
| 2023Q4 | $23.0M | 2,905 |
Credit Union Details
- Charter Number
- 1397
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- ORANGEBURG
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for EDISTO.
| Office | City |
|---|---|
| Edisto Federal Credit Union (Main Office) | Orangeburg, 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
Using this data
- EDISTO ranks #1,902 of 4,374 nationally on financial health and #24 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
Frequently Asked Questions
Is EDISTO financially healthy?
On its 2025Q4 NCUA 5300 filing, EDISTO scores 85/100 (Excellent), with a 17.28% net worth ratio and 1.15% of loans delinquent. It ranks #1,902 of 4,374 nationally on health and #24 of 46 in South Carolina.
How does EDISTO compare to other credit unions?
EDISTO scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.28% vs 14.86%). Its widest shortfall is loan-to-share ratio (58.34% vs 59.80%).
How can I join EDISTO?
EDISTO 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 EDISTO directly for the exact boundaries and application steps.
Is my money safe at EDISTO?
EDISTO 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. EDISTO's net worth ratio of 17.28% 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.