TellerScore

Palmetto Citizens Federal Credit Union is a federal credit union headquartered in Columbia, South Carolina, in business for about 90 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.2B in member shares and deposits, with 11 offices.

Based on its Q2 2026 filing, Palmetto Citizens Federal Credit Union scores 80/100, which we describe as strong. That is higher than 88% of 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in South Carolina, it ranks 14th. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 0% uninsured), and its lowest is loan quality (63/100; 1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.48%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings79/100
Return on assets (annualized): 1.49%
Funding & liquidity91/100
Loans ÷ shares: 69.3% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.59%

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 (79 → 80).

TellerScore
757880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202478
Q1 202575
Q2 202579
Q3 202579
Q4 202579
Q1 202678
Q2 202680
Net worth ratio
7.00%10.24%13.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.71%
Q3 202412.89%
Q4 202412.84%
Q1 202512.51%
Q2 202512.85%
Q3 202513.14%
Q4 202513.34%
Q1 202613.21%
Q2 202613.48%
Delinquent loans (60+ days)
0.65%0.88%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.66%
Q4 20240.73%
Q1 20250.75%
Q2 20250.81%
Q3 20250.96%
Q4 20251.07%
Q1 20261.04%
Q2 20261.11%
Return on assets
0.81%1.15%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.17%
Q4 20241.11%
Q1 20250.81%
Q2 20251.28%
Q3 20251.42%
Q4 20251.45%
Q1 20261.33%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$1.5B13.48%1.11%1.49%69.3%
Q1 202678$1.5B13.21%1.04%1.33%69.4%
Q4 202579$1.4B13.34%1.07%1.45%71.2%
Q3 202579$1.4B13.14%0.96%1.42%72.2%
Q2 202579$1.4B12.85%0.81%1.28%71.2%
Q1 202575$1.4B12.51%0.75%0.81%69.1%
Q4 202478$1.4B12.84%0.73%1.11%71.4%
Q3 202479$1.3B12.89%0.66%1.17%72.3%
Q2 202478$1.3B12.71%0.65%1.09%72.9%

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 ratio13.48%
84th
Problem loans1.11%
21st
Net charge-offs0.80%
23rd
Return on assets1.49%
92nd
Loans to deposits69.3%
87th
Uninsured deposits0.0%
99th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
52nd

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Allsouth Federal Credit UnionCredit union Columbia, SC93 out of 100, Very strong$1.5B19.6%0.41%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Sharonview Federal Credit UnionCredit union Fort Mill, SC44 out of 100, Below average$1.3B7.6%1.18%vs
Rev Federal Credit UnionCredit union Charleston, SC72 out of 100, Strong$1.2B13.8%0.57%vs
Safe Federal Credit UnionCredit union Sumter, SC73 out of 100, Strong$2.0B11.0%0.63%vs
Srp Federal Credit UnionCredit union North Augusta, SC81 out of 100, Strong$2.1B13.8%0.74%vs

Deposit insurance

Is my money safe at Palmetto Citizens Federal Credit Union?

Yes. Palmetto Citizens Federal Credit Union is a federally insured credit union (NCUA charter #1472). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Palmetto Citizens Federal Credit Union lists 11 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Palmetto Citizens Federal Credit Union reported 1,080 home-loan applications under HMDA (LEI 5493004JGZVB2EPI6W51): 700 originated ($114,490,000 total), 242 denied, and 137 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.7%, 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
Palmetto Citizens Federal Credit Union
Type
Federal credit union
NCUA charter #
1472
RSSD ID
510778
Primary regulator
NCUA
Established
1936
Headquarters
P.O. Box 5846, Columbia, SC 29250
Employees
298

Quick answers

Palmetto Citizens Federal Credit Union: common questions

Is Palmetto Citizens Federal Credit Union NCUA insured?

Yes. Palmetto Citizens Federal Credit Union is a federally insured credit union (NCUA charter #1472). 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 Palmetto Citizens Federal Credit Union's TellerScore?

80 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 Palmetto Citizens Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
South Carolina National Guard Federal Credit UnionCredit union Columbia, SC99 out of 100, Very strong$98.3M26.6%0.13%vs
Allsouth Federal Credit UnionCredit union Columbia, SC93 out of 100, Very strong$1.5B19.6%0.41%vs
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
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs