Federal credit union · Greenwood, South Carolina · NCUA charter #24851
Neighbors United
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $63.3M
- Total assets
- 7,168
- Members
- 13.0%
- Net-worth ratio
Neighbors United - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24851. See our deposit-insurance coverage note.
Neighbors United - 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)85
- Earnings (ROA)100
- Member growth84
- Liquidity (loan-to-share)95
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.99% 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 | 12.99% | 30% |
| Delinquency Rate | 0.88% | 25% |
| Return on Assets | 0.87% | 15% |
| Member Growth | 3.00% | 15% |
| Loan-to-Share Ratio | 66.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $63.3M | 7,168 |
| 2024Q4 | $64.5M | 6,959 |
| 2023Q4 | $61.5M | 6,899 |
Credit Union Details
- Charter Number
- 24851
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- South Carolina
- City
- Greenwood
- Data Quarter
- 2025Q4
What This Data Says About Neighbors United
Neighbors United is a federal credit union headquartered in Greenwood, South Carolina, serving 7,168 members with $63.3M in total assets and $37.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 93/100 (Excellent), anchored by a net worth ratio of 12.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24851 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.88% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 66.67% 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 0.87% on net income of $550K 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 3.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Neighbors United financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Neighbors United carries a financial health score of 93/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.99% net worth ratio and a 0.88% delinquency rate.
How does Neighbors United compare to other credit unions?
Neighbors United scores 93/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Neighbors United?
Neighbors United 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 Neighbors United directly for the exact boundaries and application steps.
Is my money safe at Neighbors United?
Federal credit unions like Neighbors United 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. Neighbors United's net worth ratio of 12.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Neighbors United offer compared to banks?
Credit unions like Neighbors United 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 Neighbors United 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.