State overview · Q4 2025

South Carolina Credit Unions

All 46 federally-insured credit unions in South Carolina, ranked by financial health, from NCUA 5300 Call Reports.

46
Credit unions
1.7M
Members
$24.1B
Combined assets
84/100
Avg health
46 CUs · avg health 84/100

South Carolina has 46 federally insured credit unions averaging 84/100 health on NCUA 5300 Call Report aggregates. Combined assets $24.1B; 34 score Excellent (80+). State leader: UPSTATE at 99/100.

  • Mean delinquency rank #19 of 52 (lower DQ better)
  • Mean ROA rank #4 of 52
  • Data vintage 2026-09-06

South Carolina vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

46 36th of 54 higher than 18 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How South Carolina's 46 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)34 CUsGood (60–79)10 CUsFair (40–59)2 CUsWeak (<40)0 CUs

South Carolina Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 46 federally insured credit unions in South Carolina, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.03%
National rank #19 of 52 · lower DQ better
Mean ROA
0.88%
National rank #4 of 52
Mean loan-to-share
71.5%
Mean net worth 14.7% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
21.1%
Dispersed book, largest charter holds under 25% of combined South Carolina CU assets · concentration rank #20 of 52 (lower share = more dispersed) · largest by assets on this board: FOUNDERS

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). South Carolina is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

South Carolina vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, South Carolina highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate South Carolina vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%SC - 14.68%, 1.029%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, South Carolina highlighted.

All Credit Unions in South Carolina

Credit Union Health
UPSTATE Anderson 99
Nucor Employee's Florence 97
ANMED Anderson 96
FOUNDERS Lancaster 95
Georgetown Kraft Georgetown 95
GREENVILLE Greenville 95
S. C. State Columbia 95
ALLSOUTH Columbia 94
Family Trust Rock Hill 94
Neighbors United Greenwood 93
Pee Dee FLORENCE 93
Santee Cooper Credit Union MONCKS CORNER 92
SRP NORTH AUGUSTA 92
TRU Greenwood 92
Palmetto Citizens Columbia 91
Trinity Baptist Church Florence 91
DIXIES DARLINGTON 90
SPC HARTSVILLE 90
Latitude 32 CHARLESTON 88
Greenville Heritage Greenville 87
REV CHARLESTON 87
South Carolina National Guard Columbia 87
Mid Carolina Lugoff 86
EDISTO ORANGEBURG 85
Emerald Credit Association Greenwood 85
S C I Florence 85
Carolina Trust MYRTLE BEACH 84
Curis Financial Columbia 84
SAFE Sumter 84
South Carolina Methodist Conf COLUMBIA 83
CARO COLUMBIA 82
CPM NORTH CHARLESTO 82
1st Cooperative Cayce 80
MTC Greenville 80
South Carolina NORTH CHARLESTO 78
Carolina Foothills Spartanburg 76
Palmetto First Florence 76
HOPESOUTH Abbeville 75
Columbia Post Office COLUMBIA 71
Self Memorial Hospital GREENWOOD 71
S. C. H. D. Dist #7 Orangeburg 69
BROOKLAND West Columbia 64
Secured Advantage Simpsonville 63
Spero Financial Greenville 63
SHARONVIEW Fort Mill 59
Berkeley Community Moncks Corner 58

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.

What This Data Says About Credit Unions in South Carolina

South Carolina is home to 46 federally-insured credit unions collectively serving 1.7M members with $24.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 84/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. UPSTATE of Anderson currently leads the cohort with a health score of 99/100, while the full distribution spans 46 institutions ranked below.

The health distribution breaks into four bands: 34 credit unions score 80–100 (Excellent), 10 score 60–79 (Good), 2 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across South Carolina's 46 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for South Carolina: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($24.1B here).

Idaho $25.2B Oklahoma $21.5B New Mexico $20.4B Missouri $18.9B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (46 here).

Hawaii 45 CUs Arkansas 48 CUs Maine 48 CUs Oregon 48 CUs

Frequently Asked Questions

How many credit unions are in South Carolina?

There are 46 federally-insured credit unions in South Carolina as of Q4 2025, with a combined 1.7M members and $24.1B in total assets. That places South Carolina at #26 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, South Carolina ranks #16 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in South Carolina?

Based on NCUA Q4 2025 data, UPSTATE in Anderson ranks highest in South Carolina with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using South Carolina's data

  • UPSTATE in Anderson is the healthiest scored credit union in South Carolina at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • South Carolina's credit unions rank #19 of 52 nationally on delinquency rate (mid-pack) and #4 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • South Carolina ranks #16 of 54 by average health score and #26 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.