Federal credit union · Sumter, South Carolina · NCUA charter #9988
Safe
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.94B
- Total assets
- 140,708
- Members
- 10.4%
- Net-worth ratio
Safe - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9988, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Safe - 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)78
- Earnings (ROA)96
- Member growth37
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.44% | 30% |
| Delinquency Rate | 1.08% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | -1.89% | 15% |
| Loan-to-Share Ratio | 77.74% | 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 | $1.94B | 140,708 |
| 2024Q4 | $1.85B | 143,424 |
| 2023Q4 | $1.83B | 140,194 |
Credit Union Details
- Charter Number
- 9988
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Sumter
- Data Quarter
- 2025Q4
What This Data Says About Safe
Headquartered in Sumter, South Carolina, Safe is a federal credit union with 140,708 members, $1.94B in total assets, and $1.30B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 10.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9988 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.08% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 77.74% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.46% on net income of $8.9M 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 -1.89%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Safe financially healthy?
Safe has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.44% and delinquency rate of 1.08%.
How does Safe compare to other credit unions?
Five weighted metrics from NCUA filings produce Safe's 84/100 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 Safe?
Safe operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Safe directly for the exact boundaries and application steps.
Is my money safe at Safe?
Federal credit unions like Safe 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. Safe's net worth ratio of 10.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Safe offer compared to banks?
Credit unions like Safe 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 Safe 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.