Federal credit union · Columbia, South Carolina · NCUA charter #1472
Palmetto Citizens
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.44B
- Total assets
- 86,171
- Members
- 13.2%
- Net-worth ratio
Palmetto Citizens scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.44B; members 86,171; net-worth ratio 13.21%; health rank #929 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#929 of 4,374 health · 2025Q4Palmetto Citizens · health 91/100 · $1.44B · 2025Q4
- RANK 91/100
- PHOTO 13.2%
- BOOK 1.07%
- CHARTER 1.04%
- NCUSIF $1.44B
- CAMELS 86,171
- HEALTH #929/4,374
- NW The Summit
- DELQ 1472
Call Report peers
Palmetto Citizens in the assets neighbourhood
Palmetto Citizens's $1.44B assets sit next to The Summit ($1.45B) 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.
Palmetto Citizens 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
91 Top 23% higher than 77% 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
Palmetto Citizens - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1472 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Palmetto Citizens diverges from peer averages
- Net Worth Ratio leads the peer set - 13.21% here, 11.18% peer average (+2.03 pp).
- Loan-to-Share Ratio trails the peer set - 71.17% here, 83.90% peer average (-12.73 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Palmetto Citizens: in-state Call Report ranks
- South Carolina health ordinal: #16 of 46.
- Assets rank #6 of 46 inside South Carolina ($1.44B reported).
- South Carolina membership ordinal: #7 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.
Palmetto Citizens: 2025Q4 → 2026Q1
Palmetto Citizens: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $1.44B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.34% → 13.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.21% | +2.03 pp |
| Delinquency Rate | 1.07% | +0.20 pp |
| Return on Assets | 1.04% | +0.53 pp |
| Member Growth | 2.05% | - |
| Loan-to-Share Ratio | 71.17% | -12.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Palmetto Citizens filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.48B | - |
| 2025Q4 | $1.44B | 86,171 |
| 2024Q4 | $1.35B | 84,437 |
| 2023Q4 | $1.28B | 82,893 |
Credit Union Details
- Charter Number
- 1472
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Columbia
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for Palmetto Citizens, spread across 7 cities.
| Office | City |
|---|---|
| Palmetto Citizens FCU Administrative (Main Office) | Columbia, SC |
| Palmetto Citizens FCU - Blythewood | Blythewood, SC |
| Palmetto Citizens FCU - Camden | Camden, SC |
| Palmetto Citizens FCU - Millwood | Columbia, SC |
| Palmetto Citizens FCU - Northeast | Columbia, SC |
| Palmetto Citizens FCU - Garners Ferry | Columbia, SC |
| Palmetto Citizens FCU - Beltline | Columbia, SC |
| Palmetto Citizens FCU - Bush River | Columbia, SC |
| Palmetto Citizens FCU - Stadium | Columbia, SC |
| Palmetto Citizens FCU - SCESC | Columbia, SC |
| Palmetto Citizens FCU - Clemson | Columbia, SC |
| Palmetto Citizens FCU - Irmo | Irmo, SC |
| Palmetto Citizens FCU - Lexington | Lexington, SC |
| Palmetto Citizens FCU - Red Bank | Lexington, SC |
| Palmetto Citizens FCU - West Columbia | West Columbia, SC |
| Palmetto Citizens FCU - Whitmire | Whitmire, 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.
Other-state peers near Palmetto Citizens
Cross-state asset and health neighbours for Palmetto Citizens - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.44B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Palmetto Citizens ranks #929 of 4,374 nationally on financial health and #16 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- S. C. State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with S. C. State
- 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 Palmetto Citizens financially healthy?
Palmetto Citizens scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #929 of 4,374; by total assets it ranks #343 of 4,374 nationally (same basis as /rankings/largest); and #6 of 46 within South Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.21% net worth ratio and a 1.07% delinquency rate.
How does Palmetto Citizens compare to other credit unions?
PlainCU's health composite puts Palmetto Citizens at 91/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Palmetto Citizens?
Palmetto Citizens 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 Palmetto Citizens directly for the exact boundaries and application steps.
Is my money safe at Palmetto Citizens?
Federal credit unions like Palmetto Citizens 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. Palmetto Citizens's net worth ratio of 13.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Palmetto Citizens offer compared to banks?
Credit unions like Palmetto Citizens 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 Palmetto Citizens 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.