Federal credit union · Lancaster, South Carolina · NCUA charter #24063
Founders
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $5.09B
- Total assets
- 287,766
- Members
- 12.8%
- Net-worth ratio
Founders - Share Insurance Coverage
Charter #24063's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Founders - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)91
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.75% 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 | 12.75% | 30% |
| Delinquency Rate | 0.90% | 25% |
| Return on Assets | 1.19% | 15% |
| Member Growth | 5.09% | 15% |
| Loan-to-Share Ratio | 92.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.09B | 287,766 |
| 2024Q4 | $4.76B | 273,817 |
| 2023Q4 | $4.54B | 262,059 |
Credit Union Details
- Charter Number
- 24063
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Lancaster
- Data Quarter
- 2025Q4
What This Data Says About Founders
Founders is a federal credit union headquartered in Lancaster, South Carolina, serving 287,766 members with $5.09B in total assets and $4.03B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 95/100 (Excellent), anchored by a net worth ratio of 12.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24063 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.90% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 92.91% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.19% on net income of $60.8M 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 5.09%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Founders financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Founders carries a financial health score of 95/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.75% net worth ratio and a 0.90% delinquency rate.
How does Founders compare to other credit unions?
On PlainCU's health composite, Founders lands at 95/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Founders?
Founders 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 Founders directly for the exact boundaries and application steps.
Is my money safe at Founders?
Federal credit unions like Founders 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. Founders's net worth ratio of 12.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Founders offer compared to banks?
Credit unions like Founders 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 Founders 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.