Federal credit union · Columbia, South Carolina · NCUA charter #24824
S. C. State
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $1.42B
- Total assets
- 93,958
- Members
- 14.9%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)100
- Member growth95
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.87% | 30% |
| Delinquency Rate | 0.92% | 25% |
| Return on Assets | 1.63% | 15% |
| Member Growth | 4.34% | 15% |
| Loan-to-Share Ratio | 71.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About S. C. State
S. C. State is a federal credit union headquartered in Columbia, South Carolina, serving 93,958 members with $1.42B in total assets and $859.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 95/100 (Excellent), anchored by a net worth ratio of 14.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24824 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 71.93% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.92% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 1.63% on net income of $23.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.34%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is S. C. State financially healthy?
A 14.87% 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. 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 14.87% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.