Federal credit union · NORTH CHARLESTO, South Carolina · NCUA charter #1022
South Carolina
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $2.51B
- Total assets
- 155,333
- Members
- 12.7%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)83
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.68% | 30% |
| Delinquency Rate | 0.91% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | -10.40% | 15% |
| Loan-to-Share Ratio | 95.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About South Carolina
155,333 members and $2.51B in total assets sit behind South Carolina, a federal credit union in NORTH CHARLESTO, South Carolina, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $1.92B in outstanding loans as of Q4 2025 and a net worth ratio of 12.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #1022 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.91% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 95.63% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.86% on net income of $21.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -10.40%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.68% 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 12.68% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.