TellerScore

Headquartered in Charleston, South Carolina, Latitude 32 Federal Credit Union is a federal credit union with $69.5M in total assets and $58.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, Latitude 32 Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 85% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 7th. Its strongest component is capital cushion (98/100; 14.83%), and its lowest is earnings (74/100; 1.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.83%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity81/100
Loans ÷ shares: 79.3% · 6.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.81%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 88).

TellerScore
868889Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202487
Q4 202486
Q1 202588
Q2 202588
Q3 202589
Q4 202586
Q1 202686
Q2 202688
Net worth ratio
7.00%10.91%14.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.28%
Q3 202413.78%
Q4 202413.88%
Q1 202514.03%
Q2 202514.29%
Q3 202514.66%
Q4 202514.41%
Q1 202614.76%
Q2 202614.83%
Delinquent loans (60+ days)
0.14%0.27%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.28%
Q4 20240.22%
Q1 20250.14%
Q2 20250.25%
Q3 20250.38%
Q4 20250.24%
Q1 20260.17%
Q2 20260.39%
Return on assets
0.93%1.27%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.60%
Q3 20241.58%
Q4 20241.37%
Q1 20251.41%
Q2 20251.34%
Q3 20251.45%
Q4 20251.09%
Q1 20260.93%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$69.5M14.83%0.39%1.34%79.3%
Q1 202686$67.8M14.76%0.17%0.93%78.9%
Q4 202586$68.3M14.41%0.24%1.09%76.8%
Q3 202589$67.2M14.66%0.38%1.45%76.6%
Q2 202588$67.0M14.29%0.25%1.34%77.8%
Q1 202588$66.7M14.03%0.14%1.41%78.2%
Q4 202486$65.7M13.88%0.22%1.37%82.4%
Q3 202487$65.5M13.78%0.28%1.58%85.0%
Q2 202486$66.1M13.28%0.18%1.60%87.3%

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 ratio14.83%
53rd
Problem loans0.39%
64th
Net charge-offs0.28%
40th
Return on assets1.34%
81st
Loans to deposits79.3%
20th
Uninsured deposits6.3%
15th
Loan-loss reserves0.00%
37th
Texas ratio1.8%
54th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Palmetto First Federal Credit UnionCredit union Florence, SC77 out of 100, Strong$64.1M21.0%1.89%vs
Neighbors United Federal Credit UnionCredit union Greenwood, SC60 out of 100, Moderate$64.0M12.6%1.27%vs
Tru Federal Credit UnionCredit union Greenwood, SC68 out of 100, Moderate$63.4M11.0%0.42%vs
Secured Advantage Federal Credit UnionCredit union Simpsonville, SC65 out of 100, Moderate$55.7M12.2%0.88%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs

Deposit insurance

Is my money safe at Latitude 32 Federal Credit Union?

Yes. Latitude 32 Federal Credit Union is a federally insured credit union (NCUA charter #8059). 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 6.3% of shares and deposits ($3.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Latitude 32 Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Latitude 32 Federal Credit Union
Type
Federal credit union
NCUA charter #
8059
RSSD ID
414988
Primary regulator
NCUA
Established
1952
Headquarters
1845 Sam Rittenberg, Charleston, SC 29407
Employees
16

Quick answers

Latitude 32 Federal Credit Union: common questions

Is Latitude 32 Federal Credit Union NCUA insured?

Yes. Latitude 32 Federal Credit Union is a federally insured credit union (NCUA charter #8059). 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 Latitude 32 Federal Credit Union's TellerScore?

88 out of 100 (Very 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 Latitude 32 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
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
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs
The Bank of South CarolinaBank Charleston, SC77 out of 100, Strong$571.2M11.8%0.29%vs
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%vs