TellerScore

Headquartered in Orangeburg, South Carolina, S. C. H. D. Dist #7 Federal Credit Union is a federal credit union with $4.9M in total assets and $4.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1967.

Based on its Q2 2026 filing, S. C. H. D. Dist #7 Federal Credit Union scores 51/100, which we describe as below average. That is higher than only 10% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 41st. Its strongest component is capital cushion (100/100; 17.70%), and its lowest is earnings (0/100; -0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.70%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 7.50%
Earnings0/100
Return on assets (annualized): -0.76%
Funding & liquidity100/100
Loans ÷ shares: 56.2% · 5.2% uninsured
Problem-loan coverage61/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 19.35%

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 fell 31 points (82 → 51), mostly because the earnings component weakened by 67 points.

TellerScore
516986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202486
Q4 202475
Q1 202567
Q2 202582
Q3 202564
Q4 202562
Q1 202660
Q2 202651
Net worth ratio
7.00%13.22%19.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.91%
Q3 202418.91%
Q4 202418.58%
Q1 202518.29%
Q2 202518.74%
Q3 202519.23%
Q4 202519.45%
Q1 202618.74%
Q2 202617.70%
Delinquent loans (60+ days)
1.05%4.27%7.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.10%
Q3 20241.05%
Q4 20241.92%
Q1 20251.51%
Q2 20251.16%
Q3 20254.44%
Q4 20255.00%
Q1 20264.48%
Q2 20267.50%
Return on assets
-0.76%0.42%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.61%
Q4 20241.16%
Q1 2025-0.41%
Q2 20251.17%
Q3 20251.03%
Q4 20250.85%
Q1 20260.51%
Q2 2026-0.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$4.9M17.70%7.50%-0.76%56.2%
Q1 202660$4.8M18.74%4.48%0.51%59.1%
Q4 202562$4.6M19.45%5.00%0.85%65.0%
Q3 202564$4.6M19.23%4.44%1.03%65.6%
Q2 202582$4.7M18.74%1.16%1.17%62.4%
Q1 202567$4.6M18.29%1.51%-0.41%62.9%
Q4 202475$4.6M18.58%1.92%1.16%66.5%
Q3 202486$4.5M18.91%1.05%1.61%66.3%
Q2 202483$4.4M18.91%1.10%1.32%70.6%

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 ratio17.70%
68th
Problem loans7.50%
3rd
Net charge-offs2.32%
4th
Return on assets-0.76%
9th
Loans to deposits56.2%
54th
Uninsured deposits5.2%
20th
Loan-loss reserves2.48%
92nd
Texas ratio19.3%
5th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Brookland Federal Credit UnionCredit union West Columbia, SC41 out of 100, Below average$5.1M11.3%3.19%vs
South Carolina Methodist Conf Credit UnionCredit union Columbia, SC60 out of 100, Moderate$5.6M8.6%0.25%vs
Trinity Baptist Church Federal Credit UnionCredit union Florence, SC92 out of 100, Very strong$2.3M16.8%0.20%vs
Emerald Credit Association Federal Credit UnionCredit union Greenwood, SC64 out of 100, Moderate$10.3M8.4%0.00%vs
Self Memorial Hospital Federal Credit UnionCredit union Greenwood, SC62 out of 100, Moderate$14.0M10.0%1.19%vs
Anmed Federal Credit UnionCredit union Anderson, SC86 out of 100, Very strong$16.5M14.3%0.08%vs

Deposit insurance

Is my money safe at S. C. H. D. Dist #7 Federal Credit Union?

Yes. S. C. H. D. Dist #7 Federal Credit Union is a federally insured credit union (NCUA charter #18423). 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 5.2% of shares and deposits ($208K) 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 17.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

S. C. H. D. Dist #7 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
S. C. H. D. Dist #7 Federal Credit Union
Type
Federal credit union
NCUA charter #
18423
RSSD ID
672386
Primary regulator
NCUA
Established
1967
Headquarters
PO Box 556, Orangeburg, SC 29116
Employees
3

Quick answers

S. C. H. D. Dist #7 Federal Credit Union: common questions

Is S. C. H. D. Dist #7 Federal Credit Union NCUA insured?

Yes. S. C. H. D. Dist #7 Federal Credit Union is a federally insured credit union (NCUA charter #18423). 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 S. C. H. D. Dist #7 Federal Credit Union's TellerScore?

51 out of 100 (Below average), 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 S. C. H. D. Dist #7 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Orangeburg

InstitutionScoreAssetsCapitalProblem loansCompare
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
The Bank of ClarendonBank Manning, SC84 out of 100, Strong$438.3M11.7%0.01%vs
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs
Home Federal Savings and Loan AssociationBank Bamberg, SC77 out of 100, Strong$40.5M14.4%0.28%vs
Edisto Federal Credit UnionCredit union Orangeburg, SC74 out of 100, Strong$23.4M17.4%1.54%vs