Federal credit union · NORTH AUGUSTA, South Carolina · NCUA charter #24410
SRP
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $2.05B
- Total assets
- 200,683
- Members
- 13.5%
- Net-worth ratio
SRP scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.05B; members 200,683; net-worth ratio 13.49%; health rank #761 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#761 of 4,374 health · 2025Q4SRP · health 92/100 · $2.05B · 2025Q4
Call Report peers
SRP in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SRP vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SRP sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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 SRP diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.49% vs peer 11.18% (+2.31 pp).
- Largest lag: Loan-to-Share Ratio at 81.79% vs peer 83.90% (-2.11 pp).
SRP in South Carolina
- In South Carolina, health place is #13 of 46 on the same NCUA-ratio sort used nationally.
- South Carolina assets place: #3 of 46.
- Member book place in South Carolina: #2 of 46.
- One place up in South Carolina, Santee Cooper Credit Union (#12) ties at 92/100; one place down, TRU (#14) ties at 92/100.
SRP Call Report trajectory
SRP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $2.05B (2025Q4) to $2.08B (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.41% → 13.49%).
13.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
SRP gives up 8 points in total. Delinquency Rate costs the most, 5.3 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 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.9 pts
SRP vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.49% | +2.31 pp |
| Delinquency Rate | 1.04% | +0.16 pp |
| Return on Assets | 1.21% | +0.70 pp |
| Member Growth | 2.86% | - |
| Loan-to-Share Ratio | 81.79% | -2.11 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SRP filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.08B | - |
| 2025Q4 | $2.05B | 200,683 |
| 2024Q4 | $1.88B | 195,100 |
| 2023Q4 | $1.69B | 197,077 |
Credit Union Details
- Charter Number
- 24410
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- NORTH AUGUSTA
- Data Quarter
- 2025Q4
Branch Locations (22)
The NCUA branch filing lists 22 physical offices for SRP, spread across 13 cities in 2 states.
| Office | City |
|---|---|
| SRP Federal Credit Union (Main Office) | North Augusta, SC |
| Pine Log Rd Branch | Aiken, SC |
| Richland Ave Branch | Aiken, SC |
| Rutland Drive Branch | Aiken, SC |
| Silver Bluff Rd Branch | Aiken, SC |
| Laurens St. Branch | Aiken, SC |
| Allendale | Allendale, SC |
| Broad St. Branch | Augusta, GA |
| Tobacco Rd Branch | Augusta, GA |
| Augusta West Pkwy Branch | Augusta, GA |
| Peach Orchard Rd Branch | Augusta, GA |
| Barnwell Branch | Barnwell, SC |
| Edgefield Branch | Edgefield, SC |
| North Belair Rd Branch | Evans, GA |
| Graniteville Branch | Graniteville, SC |
| Grovetown Branch | Grovetown, GA |
| Davis Road Branch | Martinez, GA |
| North Augusta Branch | North Augusta, SC |
| Walnut Lane Branch | North Augusta, SC |
| Thomson Branch | Thomson, GA |
| Burnettown Branch | Warrenville, SC |
| Williston Branch | Williston, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
SRP nationwide neighbourhoods
Using this data
- SRP ranks #761 of 4,374 nationally on financial health and #13 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SAFE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SAFE
Frequently Asked Questions
Is SRP financially healthy?
On its 2025Q4 NCUA 5300 filing, SRP scores 92/100 (Excellent), with a 13.49% net worth ratio and 1.04% of loans delinquent. It ranks #761 of 4,374 nationally on health and #13 of 46 in South Carolina.
How does SRP compare to other credit unions?
SRP scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.49% vs 11.18%). Its widest shortfall is loan-to-share ratio (81.79% vs 83.90%).
How can I join SRP?
SRP 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 SRP directly for the exact boundaries and application steps.
Is my money safe at SRP?
SRP 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. SRP's net worth ratio of 13.49% 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.