State credit union · Lugoff, South Carolina · NCUA charter #60735
Mid Carolina
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $182.2M
- Total assets
- 14,029
- Members
- 12.2%
- Net-worth ratio
Mid Carolina - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60735 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mid Carolina - 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)92
- Earnings (ROA)74
- Member growth52
- Liquidity (loan-to-share)95
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.22% | 30% |
| Delinquency Rate | 0.70% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | -0.68% | 15% |
| Loan-to-Share Ratio | 66.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $182.2M | 14,029 |
| 2024Q4 | $171.9M | 14,125 |
| 2023Q4 | $171.9M | 14,403 |
Credit Union Details
- Charter Number
- 60735
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- Lugoff
- Data Quarter
- 2025Q4
What This Data Says About Mid Carolina
Mid Carolina is a state credit union headquartered in Lugoff, South Carolina, serving 14,029 members with $182.2M in total assets and $107.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 12.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60735 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.70% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 66.78% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.24% on net income of $439K 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 -0.68%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) 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
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
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 Mid Carolina financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Mid Carolina's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.22% net worth ratio and 0.70% delinquency rate are the key drivers.
How does Mid Carolina compare to other credit unions?
On PlainCU's health composite, Mid Carolina lands at 86/100, compared to a peer group average for $100M–$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 Mid Carolina?
Membership eligibility for Mid Carolina depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mid Carolina directly for current membership requirements and application steps.
Is my money safe at Mid Carolina?
Federal credit unions like Mid Carolina 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. Mid Carolina's net worth ratio of 12.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mid Carolina offer compared to banks?
Credit unions like Mid Carolina 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 Mid Carolina 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.