Federal credit union · Lancaster, South Carolina · NCUA charter #24063
FOUNDERS
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $5.09B
- Total assets
- 287,766
- Members
- 13.3%
- Net-worth ratio
FOUNDERS scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.09B; members 287,766; net-worth ratio 13.28%; health rank #363 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#363 of 4,374 health · 2025Q4FOUNDERS · health 95/100 · $5.09B · 2025Q4
- MEM 95/100
- RANK 13.3%
- PHOTO 0.90%
- BOOK 1.19%
- CHARTER $5.09B
- NCUSIF 287,766
- CAMELS #363/4,374
- HEALTH Washington State Employees
- NW 24063
Call Report peers
FOUNDERS in the assets neighbourhood
FOUNDERS's $5.09B assets sit next to Washington State Employees ($5.09B) 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.
FOUNDERS 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
95 Top 10% higher than 90% 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
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 vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.01 pp (92.91% vs 83.90%).
- Largest lag: Delinquency Rate at 0.90% vs peer 0.87% (+0.03 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FOUNDERS sits in South Carolina
- Health composite ranks #6 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #1 of 46.
- South Carolina membership ordinal: #1 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.
How FOUNDERS's 5300 filing moved
FOUNDERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $5.09B (2025Q4) to $5.18B (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.20% → 13.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.28% | +2.10 pp |
| Delinquency Rate | 0.90% | +0.03 pp |
| Return on Assets | 1.19% | +0.69 pp |
| Member Growth | 5.09% | - |
| Loan-to-Share Ratio | 92.91% | +9.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - FOUNDERS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.18B | - |
| 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
Branch Locations (50)
FOUNDERS operates 50 offices across 28 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Lancaster, SC |
| Boiling Springs | Boiling Springs, SC |
| Catawba | Catawba, SC |
| South Tryon | Charlotte, NC |
| Charlotte East | Charlotte, NC |
| Cheraw | Cheraw, SC |
| Chester | Chester, SC |
| Richburg | Chester, SC |
| Chesterfield | Chesterfield, SC |
| Clemson | Clemson, SC |
| Clemson Hendrix Center | Clemson, SC |
| Clinton | Clinton, SC |
| USC Russell House | Columbia, SC |
| BullStreet | Columbia, SC |
| Killian Road | Columbia, SC |
| Columbiana | Columbia, SC |
| Garners Ferry | Columbia, SC |
| Duncan | Duncan, SC |
| Duncan East | Duncan, SC |
| Gold Hill Road | Fort Mill, SC |
| Peachtree | Fort Mill, SC |
| Fort Mill Parkway | Fort Mill, SC |
| Gaffney | Gaffney, SC |
| Great Falls | Great Falls, SC |
| Indian Land | Indian Land, SC |
| Promenade | Indian Land, SC |
| Kershaw | Kershaw, SC |
| North Main | Lancaster, SC |
| Nine West | Lancaster, SC |
| Springdale Road | Lancaster, SC |
| Laurens | Laurens, SC |
| Lexington | Lexington, SC |
| Mint Hill | Mint Hill, NC |
| Monroe | Monroe, NC |
| Newberry College | Newberry, SC |
| Newberry Main | Newberry, SC |
| Pageland | Pageland, SC |
| Anderson Road | Rock Hill, SC |
| Ebenezer Road | Rock Hill, SC |
| Galleria | Rock Hill, SC |
| Newport | Rock Hill, SC |
| Tech Park | Rock Hill, SC |
| Simpsonville | Simpsonville, SC |
| North Grove | Spartanburg, SC |
| John B White Blvd | Spartanburg, SC |
| Spartanburg East Main | Spartanburg, SC |
| Union | Union, SC |
| Wingate Campus | Wingate, NC |
| Wingate Main | Wingate, NC |
| York | York, 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.
FOUNDERS nationwide neighbourhoods
Cross-state asset and health neighbours for FOUNDERS - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.09B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- FOUNDERS ranks #363 of 4,374 nationally on financial health and #6 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Carolina is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Carolina
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #363 of 4,374; by total assets it ranks #85 of 4,374 nationally (same basis as /rankings/largest); and #1 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 13.28% 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 13.28% 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.
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.