Federal credit union · Columbia, South Carolina · NCUA charter #24824
S. C. State
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $1.42B
- Total assets
- 93,958
- Members
- 15.2%
- Net-worth ratio
S. C. State scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.42B; members 93,958; net-worth ratio 15.18%; health rank #339 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#339 of 4,374 health · 2025Q4S. C. State · health 95/100 · $1.42B · 2025Q4
Call Report peers
S. C. State in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S. C. State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S. C. State sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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. State vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +4.00 pp (15.18% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 71.93% here, 83.90% peer average (-11.97 pp).
S. C. State in South Carolina
- Health composite ranks #5 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #7 of 46.
- South Carolina membership ordinal: #6 of 46.
- One place up in South Carolina, Georgetown Kraft (#4) ties at 95/100; one place down, FOUNDERS (#6) ties at 95/100.
S. C. State Call Report trajectory
S. C. State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $1.42B (2025Q4) to $1.46B (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.03% → 15.18%).
At 15.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
S. C. State gives up 5 points in total. Delinquency Rate costs the most, 4.2 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 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for S. C. State
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.18% | +4.00 pp |
| Delinquency Rate | 0.92% | +0.05 pp |
| Return on Assets | 1.63% | +1.12 pp |
| Member Growth | 4.34% | - |
| Loan-to-Share Ratio | 71.93% | -11.97 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
S. C. State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.46B | - |
| 2025Q4 | $1.42B | 93,958 |
| 2024Q4 | $1.34B | 90,049 |
| 2023Q4 | $1.39B | 88,849 |
Credit Union Details
- Charter Number
- 24824
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Columbia
- Data Quarter
- 2025Q4
Branch Locations (19)
Per its most recent NCUA branch filing, S. C. State runs 19 offices in 13 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Columbia, SC |
| Aiken Branch | Aiken, SC |
| Anderson Hwy 28 Bypass | Anderson, SC |
| Anderson | Anderson, SC |
| Clemson | Clemson, SC |
| Lower Richland | Columbia, SC |
| St Andrews Road | Columbia, SC |
| Hard Scrabble Road | Columbia, SC |
| Capitol View | Columbia, SC |
| Florence | Florence, SC |
| Greenville | Greenville, SC |
| Greenwood | Greenwood, SC |
| Broad River Road | Irmo, SC |
| Lexington 378 | Lexington, SC |
| Lexington | Lexington, SC |
| Charleston | North Charleston, SC |
| Orangeburg | Orangeburg, SC |
| Seneca | Seneca, SC |
| Spartanburg | Spartanburg, 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. State
Using this data
- S. C. State ranks #339 of 4,374 nationally on financial health and #5 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Palmetto Citizens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Palmetto Citizens
Frequently Asked Questions
Is S. C. State financially healthy?
S. C. State has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #339 of 4,374 nationally on health and #5 of 46 in South Carolina. Its net worth ratio is 15.18% and its delinquency rate 0.92%.
How does S. C. State compare to other credit unions?
S. C. State scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.18% vs 11.18%). Its widest shortfall is loan-to-share ratio (71.93% vs 83.90%).
How can I join S. C. State?
S. C. State serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact S. C. State directly for the current list of qualifying groups.
Is my money safe at S. C. State?
S. C. State 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. State's net worth ratio of 15.18% 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.