Federal credit union · Orangeburg, South Carolina · NCUA charter #18423
S. C. H. D. Dist #7
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $4.6M
- Total assets
- 529
- Members
- 18.7%
- Net-worth ratio
S. C. H. D. Dist #7 scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.6M; members 529; net-worth ratio 18.74%; health rank #3,636 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,636 of 4,374 health · 2025Q4S. C. H. D. Dist #7 · health 69/100 · $4.6M · 2025Q4
- RANK 69/100
- PHOTO 18.7%
- BOOK 5.00%
- CHARTER 1.16%
- NCUSIF $4.6M
- CAMELS 529
- HEALTH #3,636/4,374
- NW n/a
- DELQ 18423
Call Report peers
S. C. H. D. Dist #7 carries $4.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S. C. H. D. Dist #7 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
69 16th percentile higher than 16% 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
S. C. H. D. Dist #7 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18423: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
S. C. H. D. Dist #7 vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 65.02% vs peer 63.60% (+1.42 pp).
- Delinquency Rate trails the peer set - 5.00% here, 1.81% peer average (+3.19 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Carolina standing for S. C. H. D. Dist #7
- Health composite ranks #41 of 46 among scored South Carolina credit unions.
- Assets rank #45 of 46 inside South Carolina ($4.6M reported).
- South Carolina membership ordinal: #45 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.
S. C. H. D. Dist #7 Call Report trajectory
S. C. H. D. Dist #7: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $4.6M (2025Q4) to $4.8M (2026Q1).
- Net-worth ratio shifted -0.71 pp (19.45% → 18.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 13.6 pts
S. C. H. D. Dist #7 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.74% | -0.32 pp |
| Delinquency Rate | 5.00% | +3.19 pp |
| Return on Assets | 1.16% | +0.71 pp |
| Member Growth | 1.15% | - |
| Loan-to-Share Ratio | 65.02% | +1.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - S. C. H. D. Dist #7
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.8M | - |
| 2025Q4 | $4.6M | 529 |
| 2024Q4 | $4.6M | 523 |
| 2023Q4 | $4.0M | 521 |
Credit Union Details
- Charter Number
- 18423
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- South Carolina
- City
- Orangeburg
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, S. C. H. D. Dist #7 runs one office.
| Office | City |
|---|---|
| S.C.H.D. Dist #7 FCU (Main Office) | Orangeburg, 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 S. C. H. D. Dist #7
Cross-state asset and health neighbours for S. C. H. D. Dist #7 - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- S. C. H. D. Dist #7 ranks #3,636 of 4,374 nationally on financial health and #41 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BROOKLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BROOKLAND
- 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 S. C. H. D. Dist #7 financially healthy?
Yes/no aside, the number is 69/100 (Good) - S. C. H. D. Dist #7'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 #3,636 of 4,374; by total assets it ranks #3,924 of 4,374 nationally (same basis as /rankings/largest); and #45 of 46 within South Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.74% net worth ratio and 5.00% delinquency rate are the key drivers.
How does S. C. H. D. Dist #7 compare to other credit unions?
PlainCU's health composite puts S. C. H. D. Dist #7 at 69/100, compared to a peer group average for $2M–$10M 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 S. C. H. D. Dist #7?
S. C. H. D. Dist #7 carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact S. C. H. D. Dist #7 directly to confirm current membership steps.
Is my money safe at S. C. H. D. Dist #7?
Federal credit unions like S. C. H. D. Dist #7 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. S. C. H. D. Dist #7's net worth ratio of 18.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does S. C. H. D. Dist #7 offer compared to banks?
Credit unions like S. C. H. D. Dist #7 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 S. C. H. D. Dist #7 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.