TellerScore

Edisto Federal Credit Union is a federal credit union headquartered in Orangeburg, South Carolina, in business for about 90 years. At the end of Q2 2026 it reported $23.4M in total assets and $19.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Edisto Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 23rd. Its strongest component is capital cushion (100/100; 17.37%), and its lowest is earnings (35/100; 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.37%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.54%
Earnings35/100
Return on assets (annualized): 0.39%
Funding & liquidity100/100
Loans ÷ shares: 50.1% · 3.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.66%

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 12 points (86 → 74), mostly because the loan quality component weakened by 35 points.

TellerScore
748392Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202490
Q4 202492
Q1 202592
Q2 202586
Q3 202580
Q4 202578
Q1 202679
Q2 202674
Net worth ratio
7.00%12.18%17.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.22%
Q3 202417.00%
Q4 202417.04%
Q1 202517.27%
Q2 202517.27%
Q3 202517.12%
Q4 202517.16%
Q1 202617.28%
Q2 202617.37%
Delinquent loans (60+ days)
0.11%0.83%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.48%
Q4 20240.17%
Q1 20250.11%
Q2 20250.49%
Q3 20250.92%
Q4 20251.15%
Q1 20261.09%
Q2 20261.54%
Return on assets
0.39%0.98%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.58%
Q3 20241.27%
Q4 20241.22%
Q1 20251.13%
Q2 20250.73%
Q3 20250.56%
Q4 20250.52%
Q1 20260.64%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$23.4M17.37%1.54%0.39%50.1%
Q1 202679$23.4M17.28%1.09%0.64%53.9%
Q4 202578$23.4M17.16%1.15%0.52%58.3%
Q3 202580$23.5M17.12%0.92%0.56%51.9%
Q2 202586$23.2M17.27%0.49%0.73%56.1%
Q1 202592$23.1M17.27%0.11%1.13%58.5%
Q4 202492$23.0M17.04%0.17%1.22%62.3%
Q3 202490$22.9M17.00%0.48%1.27%54.9%
Q2 202490$22.3M17.22%0.78%1.58%60.1%

2,479 peers · Under $100 million in assets

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 ratio17.37%
67th
Problem loans1.54%
28th
Net charge-offs0.29%
40th
Return on assets0.39%
36th
Loans to deposits50.1%
64th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio3.7%
38th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
S C I Federal Credit UnionCredit union Florence, SC76 out of 100, Strong$23.6M14.2%0.36%vs
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
Berkeley Community Federal Credit UnionCredit union Moncks Corner, SC73 out of 100, Strong$16.6M19.7%5.60%vs
Anmed Federal Credit UnionCredit union Anderson, SC86 out of 100, Very strong$16.5M14.3%0.08%vs
Self Memorial Hospital Federal Credit UnionCredit union Greenwood, SC62 out of 100, Moderate$14.0M10.0%1.19%vs
Emerald Credit Association Federal Credit UnionCredit union Greenwood, SC64 out of 100, Moderate$10.3M8.4%0.00%vs

Deposit insurance

Is my money safe at Edisto Federal Credit Union?

Yes. Edisto Federal Credit Union is a federally insured credit union (NCUA charter #1397). 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 3.3% of shares and deposits ($634K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Edisto Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Edisto Federal Credit Union
Type
Federal credit union
NCUA charter #
1397
RSSD ID
497178
Primary regulator
NCUA
Established
1936
Headquarters
1880 Russell St, Orangeburg, SC 29115
Employees
9

Quick answers

Edisto Federal Credit Union: common questions

Is Edisto Federal Credit Union NCUA insured?

Yes. Edisto Federal Credit Union is a federally insured credit union (NCUA charter #1397). 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 Edisto Federal Credit Union's TellerScore?

74 out of 100 (Strong), 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 Edisto Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Orangeburg

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC88 out of 100, Very strong$413.6M16.6%0.74%vs
The Bank of ClarendonBank Manning, SC84 out of 100, Strong$438.3M11.7%0.01%vs
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs
Home Federal Savings and Loan AssociationBank Bamberg, SC77 out of 100, Strong$40.5M14.4%0.28%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs