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
Call Report peers
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S. C. H. D. Dist #7 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S. C. H. D. Dist #7 sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in South Carolina, Self Memorial Hospital (#40) scores 71/100, 2 points higher; one place down, BROOKLAND (#42) scores 64/100, 5 points lower.
S. C. H. D. Dist #7 Call Report trajectory
S. C. H. D. Dist #7: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $4.6M (2025Q4) to $4.8M (2026Q1).
- Net-worth ratio shifted -0.71 pp (19.45% → 18.74%).
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
S. C. H. D. Dist #7 gives up 31 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is S. C. H. D. Dist #7 financially healthy?
S. C. H. D. Dist #7 has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,636 of 4,374 nationally on health and #41 of 46 in South Carolina. Its net worth ratio is 18.74% and its delinquency rate 5.00%.
How does S. C. H. D. Dist #7 compare to other credit unions?
S. C. H. D. Dist #7 scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (65.02% vs 63.60%). Its widest shortfall is delinquency rate (5.00% vs 1.81%).
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?
S. C. H. D. Dist #7 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. S. C. H. D. Dist #7's net worth ratio of 18.74% 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.