Federal credit union · Greenwood, South Carolina · NCUA charter #24851
Neighbors United
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $63.3M
- Total assets
- 7,168
- Members
- 12.3%
- Net-worth ratio
Neighbors United scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.3M; members 7,168; net-worth ratio 12.26%; health rank #626 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#626 of 4,374 health · 2025Q4Neighbors United · health 93/100 · $63.3M · 2025Q4
- PHOTO 93/100
- BOOK 12.3%
- CHARTER 0.88%
- NCUSIF 0.87%
- CAMELS $63.3M
- HEALTH 7,168
- NW #626/4,374
- DELQ Wvu Employees
- ROA 24851
Call Report peers
Neighbors United in the assets neighbourhood
Neighbors United's $63.3M assets sit next to Wvu Employees ($63.3M) 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.
Neighbors United 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
93 Top 16% higher than 84% 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
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.
Where Neighbors United diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 66.67% vs peer 62.60% (+4.07 pp).
- Largest lag: Net Worth Ratio at 12.26% vs peer 13.62% (-1.36 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Neighbors United in South Carolina
- Health composite ranks #11 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #29 of 46.
- Member book place in South Carolina: #25 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 Neighbors United's 5300 filing moved
Neighbors United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $63.3M (2025Q4) to $65.8M (2026Q1).
- Net-worth ratio shifted -0.73 pp (12.99% → 12.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.26% | -1.36 pp |
| Delinquency Rate | 0.88% | -0.09 pp |
| Return on Assets | 0.87% | +0.21 pp |
| Member Growth | 3.00% | - |
| Loan-to-Share Ratio | 66.67% | +4.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Neighbors United
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.8M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, Neighbors United runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Administration Building (Main Office) | Greenwood, SC |
| Birchtree | Greenwood, SC |
| Hwy 246 | Greenwood, SC |
| Saluda Branch | Saluda, 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.
Cross-state Call Report peers for Neighbors United
Cross-state asset and health neighbours for Neighbors United - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($63.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Neighbors United ranks #626 of 4,374 nationally on financial health and #11 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRU
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #626 of 4,374; by total assets it ranks #2,217 of 4,374 nationally (same basis as /rankings/largest); and #29 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 12.26% 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 12.26% 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.
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.