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
- RANK 84/100
- PHOTO 10.7%
- BOOK 1.08%
- CHARTER 0.46%
- NCUSIF $1.94B
- CAMELS 140,708
- HEALTH #2,147/4,374
- NW PHILADELPHIA
- DELQ 9988
Call Report peers
SAFE in the assets neighbourhood
SAFE's $1.94B assets sit next to PHILADELPHIA ($1.95B) 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.
SAFE 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
84 Top 50% higher than 50% 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
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: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.16 pp (77.74% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SAFE: 2025Q4 → 2026Q1
SAFE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $1.94B (2025Q4) to $1.95B (2026Q1).
- Net-worth ratio shifted +0.25 pp (10.46% → 10.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
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).
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
Cross-state asset and health neighbours for SAFE - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.94B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 SAFE financially healthy?
SAFE has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,147 of 4,374; by total assets it ranks #268 of 4,374 nationally (same basis as /rankings/largest); and #4 of 46 within South Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.71% 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 10.71% 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.
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.