Federal credit union · Sumter, South Carolina · NCUA charter #9988
SAFE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.94B
- Total assets
- 140,708
- Members
- 10.7%
- Net-worth ratio
SAFE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.94B; members 140,708; net-worth ratio 10.71%; health rank #2,147 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,147 of 4,374 health · 2025Q4SAFE · health 84/100 · $1.94B · 2025Q4
Call Report peers
SAFE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SAFE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SAFE sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SAFE: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.16 pp (77.74% vs 83.90%).
SAFE in South Carolina
- In South Carolina, health place is #28 of 46 on the same NCUA-ratio sort used nationally.
- South Carolina assets place: #4 of 46.
- South Carolina membership ordinal: #4 of 46.
- One place up in South Carolina, Curis Financial (#27) ties at 84/100; one place down, Carolina Trust (#29) ties at 84/100.
SAFE: 2025Q4 → 2026Q1
SAFE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $1.94B (2025Q4) to $1.95B (2026Q1).
- Net-worth ratio shifted +0.25 pp (10.46% → 10.71%).
This credit union's 10.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
SAFE gives up 16 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 14.4 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for SAFE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.71% | -0.47 pp |
| Delinquency Rate | 1.08% | +0.20 pp |
| Return on Assets | 0.46% | -0.05 pp |
| Member Growth | -1.89% | - |
| Loan-to-Share Ratio | 77.74% | -6.16 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - SAFE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.95B | - |
| 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
Branch Locations (21)
Per its most recent NCUA branch filing, SAFE runs 21 offices in 12 different cities.
| Office | City |
|---|---|
| Admin (Main Office) | Sumter, SC |
| Bishopville | Bishopville, SC |
| Camden | Camden, SC |
| St. Andrews | Columbia, SC |
| Sandhill Station | Columbia, SC |
| Garners Ferry | Columbia, SC |
| Eastover Mill | Eastover, SC |
| Florence | Florence, SC |
| Irmo | Irmo, SC |
| Lexington | Lexington, SC |
| Red Bank | Lexington, SC |
| Lugoff | Lugoff, SC |
| Manning | Manning, SC |
| Shaw Branch | Shaw AFB, SC |
| Sumter- Wesmark | Sumter, SC |
| Oswego | Sumter, SC |
| McCrays | Sumter, SC |
| Lewis Road | Sumter, SC |
| Operations | Sumter, SC |
| Sumter City | Sumter, SC |
| West Columbia | West Columbia, 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.
Nationwide credit unions with similar profiles
Using this data
- SAFE ranks #2,147 of 4,374 nationally on financial health and #28 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SRP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SRP
Frequently Asked Questions
Is SAFE financially healthy?
SAFE has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,147 of 4,374 nationally on health and #28 of 46 in South Carolina. Its net worth ratio is 10.71% and its delinquency rate 1.08%.
How does SAFE compare to other credit unions?
SAFE scores 84/100, higher than 50% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (77.74% vs 83.90%).
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?
SAFE 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. SAFE's net worth ratio of 10.71% 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.