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 · 2025Q4South Carolina · health 78/100 · $2.51B · 2025Q4
- ASSETS 78/100
- MEM 13.2%
- RANK 0.91%
- PHOTO 0.86%
- BOOK $2.51B
- CHARTER 155,333
- NCUSIF #2,971/4,374
- CAMELS KITSAP
- HEALTH 1022
Call Report peers
South Carolina in the assets neighbourhood
South Carolina's $2.51B assets sit next to KITSAP ($2.52B) 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.
South Carolina 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
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 - Share Insurance Coverage
Charter #1022'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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How South Carolina's 5300 filing moved
South Carolina: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $2.51B (2025Q4) to $2.57B (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.23% → 13.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
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).
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.
Cross-state Call Report peers for South Carolina
South Carolina's nationwide photo peers by assets and by health score, excluding South Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.51B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 South Carolina financially healthy?
South Carolina has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,971 of 4,374; by total assets it ranks #210 of 4,374 nationally (same basis as /rankings/largest); and #2 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 13.18% and delinquency rate of 0.91%.
How does South Carolina compare to other credit unions?
On PlainCU's health composite, South Carolina lands at 78/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like South Carolina 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. South Carolina's net worth ratio of 13.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Carolina offer compared to banks?
Credit unions like South Carolina 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 South Carolina 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.