TellerScore

Founders Federal Credit Union is a federal credit union headquartered in Lancaster, South Carolina, in business for about 65 years. At the end of Q2 2026 it reported $5.2B in total assets and $4.4B in member shares and deposits, with 28 offices across 2 states.

Founders Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in South Carolina, it ranks 16th. Problem-loan coverage contributes the most (91/100, 4.4%); funding & liquidity contributes the least (66/100, 94% loans-to-deposits, 11% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.62%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity66/100
Loans ÷ shares: 94.2% · 11.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.36%

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 rose 2 points (77 → 79), mostly because the capital cushion component improved by 5 points.

TellerScore
747779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202475
Q1 202576
Q2 202577
Q3 202577
Q4 202575
Q1 202678
Q2 202679
Net worth ratio
7.00%10.31%13.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.11%
Q3 202412.41%
Q4 202412.70%
Q1 202512.75%
Q2 202513.06%
Q3 202513.27%
Q4 202513.20%
Q1 202613.28%
Q2 202613.62%
Delinquent loans (60+ days)
0.68%0.79%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20240.77%
Q4 20240.75%
Q1 20250.68%
Q2 20250.70%
Q3 20250.77%
Q4 20250.90%
Q1 20260.70%
Q2 20260.68%
Return on assets
1.26%1.34%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.31%
Q4 20241.28%
Q1 20251.26%
Q2 20251.34%
Q3 20251.31%
Q4 20251.28%
Q1 20261.29%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$5.2B13.62%0.68%1.43%94.2%
Q1 202678$5.2B13.28%0.70%1.29%92.1%
Q4 202575$5.1B13.20%0.90%1.28%92.9%
Q3 202577$5.0B13.27%0.77%1.31%93.7%
Q2 202577$4.9B13.06%0.70%1.34%93.0%
Q1 202576$4.9B12.75%0.68%1.26%90.8%
Q4 202475$4.8B12.70%0.75%1.28%92.5%
Q3 202474$4.8B12.41%0.77%1.31%93.4%
Q2 202474$4.8B12.11%0.69%1.27%92.4%

454 peers · $1 billion – $10 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 ratio13.62%
85th
Problem loans0.68%
50th
Net charge-offs1.07%
10th
Return on assets1.43%
90th
Loans to deposits94.2%
28th
Uninsured deposits11.4%
32nd
Loan-loss reserves0.00%
50th
Texas ratio4.4%
54th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%vs
Srp Federal Credit UnionCredit union North Augusta, SC81 out of 100, Strong$2.1B13.8%0.74%vs
Safe Federal Credit UnionCredit union Sumter, SC73 out of 100, Strong$2.0B11.0%0.63%vs
Allsouth Federal Credit UnionCredit union Columbia, SC93 out of 100, Very strong$1.5B19.6%0.41%vs
Palmetto Citizens Federal Credit UnionCredit union Columbia, SC80 out of 100, Strong$1.5B13.5%1.11%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs

Deposit insurance

Is my money safe at Founders Federal Credit Union?

Yes. Founders Federal Credit Union is a federally insured credit union (NCUA charter #24063). 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 11.4% of shares and deposits ($504.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

28 locations

Branches

Founders Federal Credit Union lists 28 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Founders Federal Credit Union reported 3,789 home-loan applications under HMDA (LEI 5493001AGQGPJ3N3YL33): 2,315 originated ($426,025,000 total), 863 denied, and 499 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.2%, 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.

Identity & history

Profile

Legal name
Founders Federal Credit Union
Type
Federal credit union
NCUA charter #
24063
RSSD ID
549291
Primary regulator
NCUA
Established
1961
Headquarters
737 Plantation Rd, Lancaster, SC 29720
Employees
902

Quick answers

Founders Federal Credit Union: common questions

Is Founders Federal Credit Union NCUA insured?

Yes. Founders Federal Credit Union is a federally insured credit union (NCUA charter #24063). 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 Founders Federal Credit Union's TellerScore?

79 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 Founders Federal Credit Union have?

28 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lancaster

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of YorkBank York, SC83 out of 100, Strong$317.7M12.9%0.86%vs
Spratt Savings BankBank Chester, SC82 out of 100, Strong$154.4M20.4%0.23%vs
American Bank of the CarolinasBank Monroe, NC80 out of 100, Strong$214.0M12.3%0.00%vs
Movement BankBank Danville, VA74 out of 100, Strong$165.5M11.1%0.07%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
First Palmetto BankBank Camden, SC71 out of 100, Strong$1.1B9.4%0.15%vs