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.
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NCUA 5300 Call Report Masthead
#929 of 4,374 health · 2025Q4Palmetto Citizens · health 91/100 · $1.44B · 2025Q4
Call Report peers
Palmetto Citizens in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Palmetto Citizens sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in South Carolina, Trinity Baptist Church (#15) ties at 91/100; one place down, DIXIES (#17) scores 90/100, 1 point lower.
Palmetto Citizens: 2025Q4 → 2026Q1
Palmetto Citizens: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $1.44B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.34% → 13.21%).
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
Palmetto Citizens gives up 9 points in total. Delinquency Rate costs the most, 5.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Palmetto Citizens financially healthy?
On its 2025Q4 NCUA 5300 filing, Palmetto Citizens scores 91/100 (Excellent), with a 13.21% net worth ratio and 1.07% of loans delinquent. It ranks #929 of 4,374 nationally on health and #16 of 46 in South Carolina.
How does Palmetto Citizens compare to other credit unions?
Palmetto Citizens scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.21% vs 11.18%). Its widest shortfall is loan-to-share ratio (71.17% vs 83.90%).
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?
Palmetto Citizens is a federal 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. Palmetto Citizens's net worth ratio of 13.21% 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.