Federal credit union · FLORENCE, South Carolina · NCUA charter #22530
Pee Dee
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $41.2M
- Total assets
- 4,696
- Members
- 24.6%
- Net-worth ratio
Pee Dee scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.2M; members 4,696; net-worth ratio 24.56%; health rank #560 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#560 of 4,374 health · 2025Q4Pee Dee · health 93/100 · $41.2M · 2025Q4
- HEALTH 93/100
- NW 24.6%
- DELQ 0.41%
- ROA 1.60%
- ASSETS $41.2M
- MEM 4,696
- RANK #560/4,374
- PHOTO VALEX
- BOOK 22530
Call Report peers
Pee Dee in the assets neighbourhood
Pee Dee's $41.2M assets sit next to VALEX ($41.2M) 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.
Pee Dee 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
Pee Dee - Share Insurance Coverage
Charter #22530's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Pee Dee
- Largest favorable gap: Net Worth Ratio at 24.56% vs peer 14.86% (+9.70 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pee Dee in South Carolina
- In South Carolina, health place is #10 of 46 on the same NCUA-ratio sort used nationally.
- South Carolina assets place: #33 of 46.
- Member book place in South Carolina: #33 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 Pee Dee's 5300 filing moved
Pee Dee: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $41.2M (2025Q4) to $41.1M (2026Q1).
- Net-worth ratio shifted +0.35 pp (24.21% → 24.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 13.4 pts
Pee Dee health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.56% | +9.70 pp |
| Delinquency Rate | 0.41% | -0.74 pp |
| Return on Assets | 1.60% | +0.89 pp |
| Member Growth | 0.47% | - |
| Loan-to-Share Ratio | 61.45% | +1.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Pee Dee
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.1M | - |
| 2025Q4 | $41.2M | 4,696 |
| 2024Q4 | $40.9M | 4,674 |
| 2023Q4 | $42.0M | 4,791 |
Credit Union Details
- Charter Number
- 22530
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- FLORENCE
- Data Quarter
- 2025Q4
Branch Location
Pee Dee operates a single office in Florence, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main@305 W Pine St (Main Office) | Florence, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Pee Dee - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Pee Dee ranks #560 of 4,374 nationally on financial health and #10 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOPESOUTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOPESOUTH
- 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 Pee Dee financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Pee Dee's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #560 of 4,374; by total assets it ranks #2,576 of 4,374 nationally (same basis as /rankings/largest); and #33 of 46 within South Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.56% net worth ratio and 0.41% delinquency rate are the key drivers.
How does Pee Dee compare to other credit unions?
93/100 is Pee Dee's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Pee Dee?
Pee Dee 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 Pee Dee directly for the exact boundaries and application steps.
Is my money safe at Pee Dee?
Federal credit unions like Pee Dee 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. Pee Dee's net worth ratio of 24.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pee Dee offer compared to banks?
Credit unions like Pee Dee 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 Pee Dee 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.