Federal credit union · CHARLESTON, South Carolina · NCUA charter #8059
Latitude 32
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $68.3M
- Total assets
- 6,297
- Members
- 14.8%
- Net-worth ratio
Latitude 32 scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $68.3M; members 6,297; net-worth ratio 14.76%; health rank #1,417 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,417 of 4,374 health · 2025Q4Latitude 32 · health 88/100 · $68.3M · 2025Q4
Call Report peers
Latitude 32 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Latitude 32 vs every NCUA-scored credit union
Latitude 32 sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Latitude 32 vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +14.15 pp (76.75% vs 62.60%).
Latitude 32: in-state Call Report ranks
- South Carolina health ordinal: #19 of 46.
- Assets rank #26 of 46 inside South Carolina ($68.3M reported).
- Member book place in South Carolina: #29 of 46.
- One place up in South Carolina, SPC (#18) scores 90/100, 2 points higher; one place down, South Carolina National Guard (#20) scores 87/100, 1 point lower.
How Latitude 32's 5300 filing moved
Latitude 32: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $68.3M (2025Q4) to $67.8M (2026Q1).
- Net-worth ratio shifted +0.35 pp (14.41% → 14.76%).
At 14.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Latitude 32 gives up 12 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 14.8 pts
Latitude 32 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.76% | +1.14 pp |
| Delinquency Rate | 0.24% | -0.73 pp |
| Return on Assets | 1.32% | +0.66 pp |
| Member Growth | -3.20% | - |
| Loan-to-Share Ratio | 76.75% | +14.15 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $67.8M | - |
| 2025Q4 | $68.3M | 6,297 |
| 2024Q4 | $65.7M | 6,505 |
| 2023Q4 | $65.1M | 6,676 |
Credit Union Details
- Charter Number
- 8059
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- South Carolina
- City
- CHARLESTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Latitude 32 operates 2 offices in Charleston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| West Ashley Branch (Main Office) | Charleston, SC |
| VA Branch | Charleston, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Latitude 32 nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Latitude 32 ranks #1,417 of 4,374 nationally on financial health and #19 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Nucor Employee's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Nucor Employee's
Frequently Asked Questions
Is Latitude 32 financially healthy?
On its 2025Q4 NCUA 5300 filing, Latitude 32 scores 88/100 (Excellent), with a 14.76% net worth ratio and 0.24% of loans delinquent. It ranks #1,417 of 4,374 nationally on health and #19 of 46 in South Carolina.
How does Latitude 32 compare to other credit unions?
Latitude 32 scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (76.75% vs 62.60%).
How can I join Latitude 32?
Latitude 32 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 Latitude 32 directly for the exact boundaries and application steps.
Is my money safe at Latitude 32?
Latitude 32 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. Latitude 32's net worth ratio of 14.76% 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.