Federal credit union · Simpsonville, South Carolina · NCUA charter #12877
Secured Advantage
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $57.2M
- Total assets
- 6,285
- Members
- 12.4%
- Net-worth ratio
Secured Advantage scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.2M; members 6,285; net-worth ratio 12.40%; health rank #3,948 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,948 of 4,374 health · 2025Q4Secured Advantage · health 63/100 · $57.2M · 2025Q4
- HEALTH 63/100
- NW 12.4%
- DELQ 0.94%
- ROA -0.29%
- ASSETS $57.2M
- MEM 6,285
- RANK #3,948/4,374
- PHOTO NORDSTROM
- BOOK 12877
Call Report peers
Secured Advantage in the assets neighbourhood
Secured Advantage's $57.2M assets sit next to NORDSTROM ($57.2M) 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.
Secured Advantage 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
63 9th percentile higher than 9% 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
Secured Advantage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12877, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Secured Advantage vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.94% here, 0.96% peer average (-0.02 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.81 pp (51.79% vs 62.60%).
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 Secured Advantage
- South Carolina health ordinal: #43 of 46.
- By total assets, Secured Advantage is #31 of 46 in South Carolina.
- Membership ranks #30 of 46 among South Carolina CUs with a reported count (6,285 members).
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Secured Advantage Call Report trajectory
Secured Advantage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $57.2M (2025Q4) to $57.8M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.56% → 12.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 1.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.5 pts
Secured Advantage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.40% | -1.22 pp |
| Delinquency Rate | 0.94% | -0.02 pp |
| Return on Assets | -0.29% | -0.95 pp |
| Member Growth | -6.68% | - |
| Loan-to-Share Ratio | 51.79% | -10.81 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).
Secured Advantage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $57.8M | - |
| 2025Q4 | $57.2M | 6,285 |
| 2024Q4 | $59.3M | 6,735 |
| 2023Q4 | $63.7M | 7,396 |
Credit Union Details
- Charter Number
- 12877
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- South Carolina
- City
- Simpsonville
- Data Quarter
- 2025Q4
Branch Locations (2)
Secured Advantage operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Office-SVL (Main Office) | Simpsonville, SC |
| Iowa Park | Iowa Park, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Secured Advantage, both outside South Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Secured Advantage ranks #3,948 of 4,374 nationally on financial health and #43 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Palmetto First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Palmetto First
- 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 Secured Advantage financially healthy?
Secured Advantage scores 63/100 (Good) 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 #3,948 of 4,374; by total assets it ranks #2,297 of 4,374 nationally (same basis as /rankings/largest); and #31 of 46 within South Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.40% net worth ratio and a 0.94% delinquency rate.
How does Secured Advantage compare to other credit unions?
Secured Advantage scores 63/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Secured Advantage?
Secured Advantage 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 Secured Advantage directly for the exact boundaries and application steps.
Is my money safe at Secured Advantage?
Federal credit unions like Secured Advantage 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. Secured Advantage's net worth ratio of 12.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Secured Advantage offer compared to banks?
Credit unions like Secured Advantage 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 Secured Advantage 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.