State credit union · HARTSVILLE, South Carolina · NCUA charter #60686
Spc
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $253.9M
- Total assets
- 25,722
- Members
- 7.0%
- Net-worth ratio
Spc - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60686: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Spc - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)75
- Asset quality (delinquency)71
- Earnings (ROA)100
- Member growth81
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.99% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.99% | 30% |
| Delinquency Rate | 1.32% | 25% |
| Return on Assets | 1.64% | 15% |
| Member Growth | 2.57% | 15% |
| Loan-to-Share Ratio | 70.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $253.9M | 25,722 |
| 2024Q4 | $240.4M | 25,078 |
| 2023Q4 | $239.4M | 24,369 |
Credit Union Details
- Charter Number
- 60686
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- HARTSVILLE
- Data Quarter
- 2025Q4
What This Data Says About Spc
Spc is a state credit union headquartered in HARTSVILLE, South Carolina, serving 25,722 members with $253.9M in total assets and $158.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 6.99% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60686 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.32% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 70.32% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.64% on net income of $4.2M 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 2.57%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
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 Spc financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Spc's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.99% net worth ratio and 1.32% delinquency rate are the key drivers.
How does Spc compare to other credit unions?
On PlainCU's health composite, Spc lands at 82/100, compared to a peer group average for $100M–$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 Spc?
Membership eligibility for Spc depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Spc directly for current membership requirements and application steps.
Is my money safe at Spc?
Federal credit unions like Spc 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. Spc's net worth ratio of 6.99% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Spc offer compared to banks?
Credit unions like Spc 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 Spc 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.