State credit union · HARTSVILLE, South Carolina · NCUA charter #60686
SPC
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $253.9M
- Total assets
- 25,722
- Members
- 11.3%
- Net-worth ratio
SPC scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $253.9M; members 25,722; net-worth ratio 11.29%; health rank #1,122 of 4,374; healthier than 73rd of scored peers.
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SPC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SPC sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Where SPC diverges from peer averages
- Return on Assets leads the peer set - 1.64% here, 0.62% peer average (+1.02 pp).
- Loan-to-Share Ratio trails the peer set - 70.32% here, 72.20% peer average (-1.88 pp).
South Carolina standing for SPC
- In South Carolina, health place is #18 of 46 on the same NCUA-ratio sort used nationally.
- Assets rank #16 of 46 inside South Carolina ($253.9M reported).
- South Carolina membership ordinal: #15 of 46.
- One place up in South Carolina, DIXIES (#17) ties at 90/100; one place down, Latitude 32 (#19) scores 88/100, 2 points lower.
SPC Call Report trajectory
SPC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $253.9M (2025Q4) to $266.2M (2026Q1).
- Net-worth ratio shifted -0.32 pp (11.61% → 11.29%).
11.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
SPC gives up 10 points in total. Delinquency Rate costs the most, 7.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.6 pts
- Return on Assets 15.0 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.3 pts
SPC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.29% | -0.82 pp |
| Delinquency Rate | 1.32% | +0.42 pp |
| Return on Assets | 1.64% | +1.02 pp |
| Member Growth | 2.57% | - |
| Loan-to-Share Ratio | 70.32% | -1.88 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SPC filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $266.2M | - |
| 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
Branch Locations (7)
Per its most recent NCUA branch filing, SPC runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Hartsville, SC |
| Bennettsville Branch | Bennettsville, SC |
| Disaster Recovery/Backup Cold | Bennettsville, SC |
| Cheraw Branch | Cheraw, SC |
| Darlington Branch | Darlington, SC |
| Florence Branch | Florence, SC |
| Mortgage Commercial Annex | Hartsville, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Cross-state Call Report peers for SPC
Using this data
- SPC ranks #1,122 of 4,374 nationally on financial health and #18 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Carolina Foothills is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Carolina Foothills
Frequently Asked Questions
Is SPC financially healthy?
SPC has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,122 of 4,374 nationally on health and #18 of 46 in South Carolina. Its net worth ratio is 11.29% and its delinquency rate 1.32%.
How does SPC compare to other credit unions?
SPC scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.64% vs 0.62%). Its widest shortfall is loan-to-share ratio (70.32% vs 72.20%).
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?
SPC is a state-chartered 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. SPC's net worth ratio of 11.29% 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.