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
Call Report peers
Secured Advantage in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Secured Advantage sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in South Carolina, BROOKLAND (#42) scores 64/100, 1 point higher; one place down, Spero Financial (#44) ties at 63/100.
Secured Advantage Call Report trajectory
Secured Advantage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $57.2M (2025Q4) to $57.8M (2026Q1).
- Net-worth ratio shifted -0.16 pp (12.56% → 12.40%).
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
Secured Advantage gives up 37 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Secured Advantage financially healthy?
Secured Advantage has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,948 of 4,374 nationally on health and #43 of 46 in South Carolina. Its net worth ratio is 12.40% and its delinquency rate 0.94%.
How does Secured Advantage compare to other credit unions?
Secured Advantage scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.94% vs 0.96%). Its widest shortfall is loan-to-share ratio (51.79% vs 62.60%).
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?
Secured Advantage 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. Secured Advantage's net worth ratio of 12.40% 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.