TellerScore

Pee Dee Federal Credit Union is a federal credit union headquartered in Florence, South Carolina, in business for about 50 years. At the end of Q2 2026 it reported $40.8M in total assets and $30.4M in member shares and deposits.

Based on its Q2 2026 filing, Pee Dee Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 9th. Its strongest component is capital cushion (100/100; 24.85%), and its lowest is earnings (52/100; 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.85%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity98/100
Loans ÷ shares: 62.6% · 2.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.73%

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 → 87).

TellerScore
879296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202496
Q3 202495
Q4 202494
Q1 202588
Q2 202588
Q3 202593
Q4 202589
Q1 202689
Q2 202687
Net worth ratio
7.00%15.93%24.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.10%
Q3 202422.84%
Q4 202423.33%
Q1 202523.20%
Q2 202523.52%
Q3 202523.61%
Q4 202524.21%
Q1 202624.56%
Q2 202624.85%
Delinquent loans (60+ days)
0.01%0.22%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.27%
Q4 20240.36%
Q1 20250.16%
Q2 20250.43%
Q3 20250.01%
Q4 20250.41%
Q1 20260.41%
Q2 20260.39%
Return on assets
0.67%1.19%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.70%
Q4 20241.61%
Q1 20250.67%
Q2 20250.94%
Q3 20251.07%
Q4 20251.05%
Q1 20261.02%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$40.8M24.85%0.39%0.81%62.6%
Q1 202689$41.1M24.56%0.41%1.02%59.1%
Q4 202589$41.2M24.21%0.41%1.05%61.5%
Q3 202593$41.9M23.61%0.01%1.07%57.9%
Q2 202588$41.4M23.52%0.43%0.94%56.3%
Q1 202588$41.5M23.20%0.16%0.67%53.8%
Q4 202494$40.9M23.33%0.36%1.61%53.2%
Q3 202495$41.3M22.84%0.27%1.70%50.0%
Q2 202496$41.9M22.10%0.12%1.67%46.8%

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 ratio24.85%
88th
Problem loans0.39%
64th
Net charge-offs0.04%
63rd
Return on assets0.81%
58th
Loans to deposits62.6%
44th
Uninsured deposits2.7%
38th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Hopesouth Federal Credit UnionCredit union Abbeville, SC67 out of 100, Moderate$39.4M25.4%3.23%vs
Dixies Federal Credit UnionCredit union Darlington, SC77 out of 100, Strong$47.6M22.7%0.80%vs
Secured Advantage Federal Credit UnionCredit union Simpsonville, SC65 out of 100, Moderate$55.7M12.2%0.88%vs
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
S C I Federal Credit UnionCredit union Florence, SC76 out of 100, Strong$23.6M14.2%0.36%vs
Edisto Federal Credit UnionCredit union Orangeburg, SC74 out of 100, Strong$23.4M17.4%1.54%vs

Deposit insurance

Is my money safe at Pee Dee Federal Credit Union?

Yes. Pee Dee Federal Credit Union is a federally insured credit union (NCUA charter #22530). 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 2.7% of shares and deposits ($832K) 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 24.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Pee Dee Federal Credit Union
Type
Federal credit union
NCUA charter #
22530
RSSD ID
384483
Primary regulator
NCUA
Established
1976
Headquarters
Po Box 1391, Florence, SC 29503
Employees
14

Quick answers

Pee Dee Federal Credit Union: common questions

Is Pee Dee Federal Credit Union NCUA insured?

Yes. Pee Dee Federal Credit Union is a federally insured credit union (NCUA charter #22530). 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 Pee Dee Federal Credit Union's TellerScore?

87 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.