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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#339 of 4,374 health · 2025Q4S. C. State · health 95/100 · $1.42B · 2025Q4
- BOOK 95/100
- CHARTER 15.2%
- NCUSIF 0.92%
- CAMELS 1.63%
- HEALTH $1.42B
- NW 93,958
- DELQ #339/4,374
- ROA Del Norte
- ASSETS 24824
Call Report peers
S. C. State in the assets neighbourhood
S. C. State's $1.42B assets sit next to Del Norte ($1.42B) 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.
S. C. State 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
95 Top 10% higher than 90% 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. State - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24824 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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. State Call Report trajectory
S. C. State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $1.42B (2025Q4) to $1.46B (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.03% → 15.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for S. C. State - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.42B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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. State financially healthy?
A 15.18% net worth ratio and a 0.92% delinquency rate feed into S. C. State's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #339 of 4,374; by total assets it ranks #347 of 4,374 nationally (same basis as /rankings/largest); and #7 of 46 within South Carolina. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does S. C. State compare to other credit unions?
Five weighted metrics from NCUA filings produce S. C. State's 95/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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. 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?
Federal credit unions like S. C. State 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. State's net worth ratio of 15.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does S. C. State offer compared to banks?
Credit unions like S. C. State 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. State 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.