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
- NCUSIF 92/100
- CAMELS 13.5%
- HEALTH 1.04%
- NW 1.21%
- DELQ $2.05B
- ROA 200,683
- ASSETS #761/4,374
- MEM ALABAMA
- RANK 24410
Call Report peers
SRP in the assets neighbourhood
SRP's $2.05B assets sit next to ALABAMA ($2.05B) 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.
SRP 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
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
SRP - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24410. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SRP Call Report trajectory
SRP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $2.05B (2025Q4) to $2.08B (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.41% → 13.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
SRP'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 ($2.05B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 SRP financially healthy?
SRP has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #761 of 4,374; by total assets it ranks #256 of 4,374 nationally (same basis as /rankings/largest); and #3 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 13.49% and delinquency rate of 1.04%.
How does SRP compare to other credit unions?
PlainCU's health composite puts SRP at 92/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like SRP 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. SRP's net worth ratio of 13.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SRP offer compared to banks?
Credit unions like SRP 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 SRP 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.