TellerScore

Mid Carolina Credit Union (NCUA charter #60735) is based in Lugoff, South Carolina. Its Q2 2026 call report shows $181.8M in total assets and $160.6M in member shares and deposits and 4 offices.

Mid Carolina Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 17th. Problem-loan coverage contributes the most (94/100, 3.1%); earnings contributes the least (55/100, 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.69%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.66%
Earnings55/100
Return on assets (annualized): 0.89%
Funding & liquidity92/100
Loans ÷ shares: 68.0% · 3.6% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.14%

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 (76 → 77).

TellerScore
697580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202478
Q4 202469
Q1 202578
Q2 202576
Q3 202577
Q4 202574
Q1 202680
Q2 202677
Net worth ratio
7.00%9.91%12.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.75%
Q3 202412.82%
Q4 202412.27%
Q1 202512.06%
Q2 202512.10%
Q3 202512.26%
Q4 202512.22%
Q1 202612.82%
Q2 202612.69%
Delinquent loans (60+ days)
0.35%0.57%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.79%
Q3 20240.45%
Q4 20240.80%
Q1 20250.35%
Q2 20250.45%
Q3 20250.42%
Q4 20250.70%
Q1 20260.63%
Q2 20260.66%
Return on assets
0.26%0.69%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.74%
Q4 20240.26%
Q1 20250.79%
Q2 20250.69%
Q3 20250.72%
Q4 20250.73%
Q1 20261.13%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$181.8M12.69%0.66%0.89%68.0%
Q1 202680$177.7M12.82%0.63%1.13%66.7%
Q4 202574$182.2M12.22%0.70%0.73%66.8%
Q3 202577$179.9M12.26%0.42%0.72%67.7%
Q2 202576$179.5M12.10%0.45%0.69%65.4%
Q1 202578$177.9M12.06%0.35%0.79%65.6%
Q4 202469$171.9M12.27%0.80%0.26%66.7%
Q3 202478$169.9M12.82%0.45%0.74%66.7%
Q2 202475$168.3M12.75%0.79%0.76%67.7%

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 ratio12.69%
66th
Problem loans0.66%
51st
Net charge-offs0.38%
47th
Return on assets0.89%
59th
Loans to deposits68.0%
65th
Uninsured deposits3.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio3.1%
60th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs
Caro Federal Credit UnionCredit union Columbia, SC77 out of 100, Strong$174.9M15.4%0.88%vs
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Upstate Federal Credit UnionCredit union Anderson, SC64 out of 100, Moderate$148.5M9.8%0.26%vs
Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC70 out of 100, Strong$224.3M12.0%1.30%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Mid Carolina Credit Union?

Yes. Mid Carolina Credit Union is a federally insured credit union (NCUA charter #60735). 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 3.6% of shares and deposits ($5.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.69%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Mid Carolina Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mid Carolina Credit Union reported 48 home-loan applications under HMDA (LEI 549300GB84TJEK0SHQ79): 48 originated ($7,740,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Credit Card Program7.45% – 18.00%$0—0.8%

All Mid Carolina Credit Union card terms

Identity & history

Profile

Legal name
Mid Carolina Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60735
RSSD ID
530196
Primary regulator
State + NCUA
Established
1961
Headquarters
PO Box 549, Lugoff, SC 29078
Employees
52

Quick answers

Mid Carolina Credit Union: common questions

Is Mid Carolina Credit Union NCUA insured?

Yes. Mid Carolina Credit Union is a federally insured credit union (NCUA charter #60735). 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 Mid Carolina Credit Union's TellerScore?

77 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 Mid Carolina Credit Union have?

4 offices as of the latest NCUA data.