Federal credit union · NORTH CHARLESTO, South Carolina · NCUA charter #1022

South Carolina

Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

78
Health / 100
$2.51B
Total assets
155,333
Members
13.2%
Net-worth ratio

South Carolina scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.51B; members 155,333; net-worth ratio 13.18%; health rank #2,971 of 4,374; healthier than 31st of scored peers.

Federal Call Report extract

NCUA 5300 Call Report Masthead

#2,971 of 4,374 health · 2025Q4

South Carolina · health 78/100 · $2.51B · 2025Q4

South Carolina in the assets neighbourhood

DOW$2.55BAtlanta Postal$2.52BKITSAP$2.52BSouth Carolina (this)$2.51BWORKERS$2.49BALLEGACY$2.48B
Nearest other-state credit unions by total assets (NCUA 5300)

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South Carolina vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); South Carolina sits in 75-79 with 502 others.

78 31st percentile higher than 31% 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

South Carolina: Call Report deltas vs peers

  • Loan-to-Share Ratio leads the peer set - 95.63% here, 83.90% peer average (+11.73 pp).
  • Delinquency Rate trails the peer set - 0.91% here, 0.87% peer average (+0.03 pp).

Where South Carolina sits in South Carolina

  • Health composite ranks #35 of 46 among scored South Carolina credit unions.
  • South Carolina assets place: #2 of 46.
  • South Carolina membership ordinal: #3 of 46.
  • One place up in South Carolina, 1st Cooperative (#34) scores 80/100, 2 points higher; one place down, Palmetto First (#36) scores 76/100, 2 points lower.

How South Carolina's 5300 filing moved

South Carolina: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

2,500,000,0002,520,000,0002,540,000,0002,560,000,0002,580,000,000 2023Q42024Q42025Q42026Q1 2,572,640,500 2,570,596,817 ▼ -0.1%
  • Assets moved +2.3% from $2.51B (2025Q4) to $2.57B (2026Q1).
  • Net-worth ratio shifted -0.05 pp (13.23% → 13.18%).
Net worth ratio vs. NCUA well-capitalized threshold 87.9%

At 13.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

How the 78/100 score is built

South Carolina gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 20.9 pts
  • Return on Assets 15.0 pts
  • Member Growth 0.0 pts
  • Loan-to-Share Ratio 12.1 pts

South Carolina vs peer ratios

Metric Value vs peer
Net Worth Ratio 13.18% +2.00 pp
Delinquency Rate 0.91% +0.03 pp
Return on Assets 0.86% +0.35 pp
Member Growth -10.40% -
Loan-to-Share Ratio 95.63% +11.73 pp

Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.

South Carolina filing history

Quarter Assets Members
2026Q1 $2.57B -
2025Q4 $2.51B 155,333
2024Q4 $2.53B 173,363
2023Q4 $2.57B 175,960

Credit Union Details

Charter Number
1022
Type
Federal
Field of Membership
Other/Community
Peer Group
Over $500M
State
South Carolina
City
NORTH CHARLESTO
Data Quarter
2025Q4

Branch Locations (33)

South Carolina operates 33 offices across 17 cities, per its most recent NCUA branch filing.

Office City
Rivers Ave #1 (Main Office) North Charleston, SC
Downtown Charleston, SC
James Island Charleston, SC
Sam Rittenberg Charleston, SC
Glen McConnell Charleston, SC
Cherry St. - Downtown Charleston, SC
Columbia Forest Drive Columbia, SC
North East Columbia Columbia, SC
David McLeod Florence, SC
Irby Street Florence, SC
McLeod Hospital Florence, SC
Georgetown Georgetown, SC
Goose Creek Goose Creek, SC
Naval Weapons Station Goose Creek, SC
Greenville Memorial Greenville, SC
Patewood Greenville, SC
Thornblade Greenville, SC
Sunset Lexington, SC
Mauldin Mauldin, SC
Moncks Corner Moncks Corner, SC
North Mt. Pleasant Mount Pleasant, SC
East Cooper Mt Pleasant, SC
Southampton Mt Pleasant, SC
Coventry Myrtle Beach, SC
Shipyard North Charleston, SC
Rivers Ave #2 North Charleston, SC
Five Forks Simpsonville, SC
Spartanburg FC Spartanburg, SC
Summerville Summerville, SC
Oakbrook Summerville, SC
Cane Bay Summerville, SC
Myers Rd Summerville, SC
West Columbia West Columbia, 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.

Compare South Carolina vs SRP

Cross-state Call Report peers for South Carolina

Using this data

  • South Carolina ranks #2,971 of 4,374 nationally on financial health and #35 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 South Carolina financially healthy?

South Carolina has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,971 of 4,374 nationally on health and #35 of 46 in South Carolina. Its net worth ratio is 13.18% and its delinquency rate 0.91%.

How does South Carolina compare to other credit unions?

South Carolina scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.63% vs 83.90%). Its widest shortfall is delinquency rate (0.91% vs 0.87%).

How can I join South Carolina?

South Carolina 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 South Carolina directly for the exact boundaries and application steps.

Is my money safe at South Carolina?

South Carolina 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. South Carolina's net worth ratio of 13.18% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for South Carolina. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.