State credit union · MONCKS CORNER, South Carolina · NCUA charter #60745
Santee Cooper Credit Union
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $89.1M
- Total assets
- 7,108
- Members
- 15.2%
- Net-worth ratio
Santee Cooper Credit Union scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.1M; members 7,108; net-worth ratio 15.16%; health rank #751 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#751 of 4,374 health · 2025Q4Santee Cooper Credit Union · health 92/100 · $89.1M · 2025Q4
- CHARTER 92/100
- NCUSIF 15.2%
- CAMELS 0.89%
- HEALTH 1.89%
- NW $89.1M
- DELQ 7,108
- ROA #751/4,374
- ASSETS Shelby County
- MEM 60745
Call Report peers
Santee Cooper Credit Union in the assets neighbourhood
Santee Cooper Credit Union's $89.1M assets sit next to Shelby County ($89.1M) 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.
Santee Cooper Credit Union 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
92 Top 20% higher than 80% 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
Santee Cooper Credit Union - Share Insurance Coverage
Charter #60745's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Santee Cooper Credit Union vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 80.79% vs peer 62.60% (+18.19 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Carolina standing for Santee Cooper Credit Union
- In South Carolina, health place is #12 of 46 on the same NCUA-ratio sort used nationally.
- Assets rank #24 of 46 inside South Carolina ($89.1M reported).
- South Carolina membership ordinal: #26 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.
Santee Cooper Credit Union Call Report trajectory
Santee Cooper Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $89.1M (2025Q4) to $92.9M (2026Q1).
- Net-worth ratio shifted -0.30 pp (15.46% → 15.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Santee Cooper Credit Union
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.16% | +1.54 pp |
| Delinquency Rate | 0.89% | -0.08 pp |
| Return on Assets | 1.89% | +1.23 pp |
| Member Growth | 1.91% | - |
| Loan-to-Share Ratio | 80.79% | +18.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Santee Cooper Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.9M | - |
| 2025Q4 | $89.1M | 7,108 |
| 2024Q4 | $77.9M | 6,975 |
| 2023Q4 | $80.0M | 6,915 |
Credit Union Details
- Charter Number
- 60745
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- South Carolina
- City
- MONCKS CORNER
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Santee Cooper Credit Union runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Santee Cooper Credit Union (Main Office) | Moncks Corner, SC |
| Santee Cooper Credit Union | Myrtle Beach, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Santee Cooper Credit Union
Cross-state asset and health neighbours for Santee Cooper Credit Union - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($89.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Santee Cooper Credit Union ranks #751 of 4,374 nationally on financial health and #12 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Curis Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Curis Financial
- 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 Santee Cooper Credit Union financially healthy?
Santee Cooper Credit Union scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #751 of 4,374; by total assets it ranks #1,929 of 4,374 nationally (same basis as /rankings/largest); and #24 of 46 within South Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.16% net worth ratio and a 0.89% delinquency rate.
How does Santee Cooper Credit Union compare to other credit unions?
On PlainCU's health composite, Santee Cooper Credit Union lands at 92/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Santee Cooper Credit Union?
Membership eligibility for Santee Cooper Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Santee Cooper Credit Union directly for current membership requirements and application steps.
Is my money safe at Santee Cooper Credit Union?
Federal credit unions like Santee Cooper Credit Union 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. Santee Cooper Credit Union's net worth ratio of 15.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Santee Cooper Credit Union offer compared to banks?
Credit unions like Santee Cooper Credit Union 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 Santee Cooper Credit Union 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.