TellerScore

Cpm Federal Credit Union (NCUA charter #21971) is based in North Charlesto, South Carolina. Its Q2 2026 call report shows $759.3M in total assets and $688.0M in member shares and deposits and 9 offices.

Based on its Q2 2026 filing, Cpm Federal Credit Union scores 46/100, which we describe as below average. That is higher than only 3% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 43rd. Its strongest component is funding & liquidity (87/100; 74% loans-to-deposits, 4% uninsured), and its lowest is earnings (25/100; 0.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.89%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.92%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity87/100
Loans ÷ shares: 73.6% · 4.0% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (49 → 46), mostly because the earnings component weakened by 23 points.

TellerScore
465564Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202459
Q1 202558
Q2 202549
Q3 202549
Q4 202549
Q1 202664
Q2 202646
Net worth ratio
7.00%8.46%9.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.87%
Q3 20249.92%
Q4 20249.68%
Q1 20259.43%
Q2 20259.78%
Q3 20259.69%
Q4 20259.55%
Q1 20269.34%
Q2 20268.89%
Delinquent loans (60+ days)
1.10%1.70%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.36%
Q3 20241.39%
Q4 20241.29%
Q1 20251.14%
Q2 20252.31%
Q3 20252.23%
Q4 20252.18%
Q1 20261.10%
Q2 20261.92%
Return on assets
0.12%0.67%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.85%
Q4 20240.72%
Q1 20250.52%
Q2 20250.69%
Q3 20250.65%
Q4 20250.63%
Q1 20261.22%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$759.3M8.89%1.92%0.12%73.6%
Q1 202664$742.0M9.34%1.10%1.22%71.8%
Q4 202549$701.5M9.55%2.18%0.63%75.9%
Q3 202549$680.6M9.69%2.23%0.65%77.4%
Q2 202549$673.2M9.78%2.31%0.69%77.1%
Q1 202558$682.5M9.43%1.14%0.52%73.4%
Q4 202459$656.1M9.68%1.29%0.72%73.9%
Q3 202460$632.5M9.92%1.39%0.85%75.2%
Q2 202460$630.6M9.87%1.36%0.83%74.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.89%
12th
Problem loans1.92%
7th
Net charge-offs2.19%
1st
Return on assets0.12%
8th
Loans to deposits73.6%
54th
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio14.4%
6th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Family Trust Federal Credit UnionCredit union Rock Hill, SC71 out of 100, Strong$805.4M11.8%0.73%vs
Spero Financial Federal Credit UnionCredit union Greenville, SC50 out of 100, Below average$701.5M8.3%0.94%vs
Greenville Federal Credit UnionCredit union Greenville, SC71 out of 100, Strong$512.3M11.0%0.50%vs
Carolina Trust Federal Credit UnionCredit union Myrtle Beach, SC64 out of 100, Moderate$422.0M10.0%0.83%vs
Mtc Federal Credit UnionCredit union Greenville, SC67 out of 100, Moderate$302.6M12.7%0.90%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Cpm Federal Credit Union?

Yes. Cpm Federal Credit Union is a federally insured credit union (NCUA charter #21971). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.0% of shares and deposits ($27.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.89%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Cpm Federal Credit Union lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cpm Federal Credit Union reported 866 home-loan applications under HMDA (LEI 549300I3LFY4G7F9CE90): 606 originated ($85,950,000 total), 146 denied, and 111 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
MyRate Visa Card10.99% – 16.99%$0—1.0%

All Cpm Federal Credit Union card terms

Identity & history

Profile

Legal name
Cpm Federal Credit Union
Type
Federal credit union
NCUA charter #
21971
RSSD ID
861582
Primary regulator
NCUA
Established
1955
Headquarters
1066 E Montague Ave, North Charlesto, SC 29405
Employees
200

Quick answers

Cpm Federal Credit Union: common questions

Is Cpm Federal Credit Union NCUA insured?

Yes. Cpm Federal Credit Union is a federally insured credit union (NCUA charter #21971). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cpm Federal Credit Union's TellerScore?

46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cpm Federal Credit Union have?

9 offices as of the latest NCUA data.