State credit union · Lugoff, South Carolina · NCUA charter #60735
Mid Carolina
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $182.2M
- Total assets
- 14,029
- Members
- 12.8%
- Net-worth ratio
Mid Carolina scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $182.2M; members 14,029; net-worth ratio 12.82%; health rank #1,799 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,799 of 4,374 health · 2025Q4Mid Carolina · health 86/100 · $182.2M · 2025Q4
Call Report peers
Mid Carolina in the assets neighbourhood
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Mid Carolina vs every NCUA-scored credit union
Mid Carolina sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Where Mid Carolina diverges from peer averages
- Net Worth Ratio leads the peer set - 12.82% here, 12.11% peer average (+0.71 pp).
- Loan-to-Share Ratio trails the peer set - 66.78% here, 72.20% peer average (-5.42 pp).
South Carolina standing for Mid Carolina
- Health composite ranks #23 of 46 among scored South Carolina credit unions.
- Assets rank #19 of 46 inside South Carolina ($182.2M reported).
- Member book place in South Carolina: #20 of 46.
- One place up in South Carolina, Greenville Heritage (#22) scores 87/100, 1 point higher; one place down, EDISTO (#24) scores 85/100, 1 point lower.
Quarter path for Mid Carolina
Mid Carolina: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $182.2M (2025Q4) to $177.7M (2026Q1).
- Net-worth ratio shifted +0.60 pp (12.22% → 12.82%).
At 12.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Mid Carolina gives up 14 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 11.1 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 14.1 pts
Mid Carolina vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | +0.71 pp |
| Delinquency Rate | 0.70% | -0.19 pp |
| Return on Assets | 0.24% | -0.38 pp |
| Member Growth | -0.68% | - |
| Loan-to-Share Ratio | 66.78% | -5.42 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Mid Carolina filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.7M | - |
| 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
Branch Locations (5)
Per its most recent NCUA branch filing, Mid Carolina runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Lugoff (Main Office) | Lugoff, SC |
| Camden | Camden, SC |
| Sandhill | Columbia, SC |
| Elgin | Elgin, SC |
| Invista | Lugoff, 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.
Mid Carolina nationwide neighbourhoods
Similar total assets
Using this data
- Mid Carolina ranks #1,799 of 4,374 nationally on financial health and #23 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgetown Kraft is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgetown Kraft
Frequently Asked Questions
Is Mid Carolina financially healthy?
On its 2025Q4 NCUA 5300 filing, Mid Carolina scores 86/100 (Excellent), with a 12.82% net worth ratio and 0.70% of loans delinquent. It ranks #1,799 of 4,374 nationally on health and #23 of 46 in South Carolina.
How does Mid Carolina compare to other credit unions?
Mid Carolina scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.82% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.78% vs 72.20%).
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?
Mid Carolina is a state-chartered 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. Mid Carolina's net worth ratio of 12.82% 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.