TellerScore

S C I Federal Credit Union is a federal credit union headquartered in Florence, South Carolina, in business for about 61 years. At the end of Q2 2026 it reported $23.6M in total assets and $20.2M in member shares and deposits, with 2 offices.

S C I Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 22nd. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 1% uninsured); earnings contributes the least (10/100, -0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.24%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings10/100
Return on assets (annualized): -0.25%
Funding & liquidity100/100
Loans ÷ shares: 46.2% · 0.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.00%

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 4 points (80 → 76), mostly because the earnings component weakened by 16 points.

TellerScore
768186Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202476
Q4 202479
Q1 202578
Q2 202580
Q3 202585
Q4 202586
Q1 202679
Q2 202676
Net worth ratio
7.00%11.07%15.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.38%
Q3 202414.78%
Q4 202414.75%
Q1 202514.53%
Q2 202515.07%
Q3 202515.15%
Q4 202514.96%
Q1 202614.36%
Q2 202614.24%
Delinquent loans (60+ days)
0.00%0.55%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20241.09%
Q4 20240.72%
Q1 20250.38%
Q2 20250.54%
Q3 20250.14%
Q4 20250.13%
Q1 20260.00%
Q2 20260.36%
Return on assets
-0.40%-0.01%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.34%
Q4 20240.24%
Q1 2025-0.14%
Q2 20250.14%
Q3 20250.31%
Q4 20250.33%
Q1 2026-0.40%
Q2 2026-0.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$23.6M14.24%0.36%-0.25%46.2%
Q1 202679$23.4M14.36%0.00%-0.40%46.7%
Q4 202586$22.6M14.96%0.13%0.33%49.7%
Q3 202585$22.3M15.15%0.14%0.31%49.9%
Q2 202580$22.2M15.07%0.54%0.14%49.7%
Q1 202578$22.8M14.53%0.38%-0.14%48.1%
Q4 202479$22.5M14.75%0.72%0.24%51.8%
Q3 202476$22.6M14.78%1.09%0.34%51.9%
Q2 202482$23.2M14.38%0.35%0.37%49.8%

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 ratio14.24%
49th
Problem loans0.36%
65th
Net charge-offs0.04%
64th
Return on assets-0.25%
14th
Loans to deposits46.2%
69th
Uninsured deposits0.6%
58th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Edisto Federal Credit UnionCredit union Orangeburg, SC74 out of 100, Strong$23.4M17.4%1.54%vs
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
Berkeley Community Federal Credit UnionCredit union Moncks Corner, SC73 out of 100, Strong$16.6M19.7%5.60%vs
Anmed Federal Credit UnionCredit union Anderson, SC86 out of 100, Very strong$16.5M14.3%0.08%vs
Self Memorial Hospital Federal Credit UnionCredit union Greenwood, SC62 out of 100, Moderate$14.0M10.0%1.19%vs
Emerald Credit Association Federal Credit UnionCredit union Greenwood, SC64 out of 100, Moderate$10.3M8.4%0.00%vs

Deposit insurance

Is my money safe at S C I Federal Credit Union?

Yes. S C I Federal Credit Union is a federally insured credit union (NCUA charter #16655). 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 0.6% of shares and deposits ($120K) 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 14.24%, 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

S C I Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
S C I Federal Credit Union
Type
Federal credit union
NCUA charter #
16655
RSSD ID
641681
Primary regulator
NCUA
Established
1965
Headquarters
P.O. Box 3258, Florence, SC 29502
Employees
5

Quick answers

S C I Federal Credit Union: common questions

Is S C I Federal Credit Union NCUA insured?

Yes. S C I Federal Credit Union is a federally insured credit union (NCUA charter #16655). 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 I Federal Credit Union's TellerScore?

76 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 S C I Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Florence

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Baptist Church Federal Credit UnionCredit union Florence, SC92 out of 100, Very strong$2.3M16.8%0.20%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
Pee Dee Federal Savings BankBank Marion, SC90 out of 100, Very strong$37.1M20.5%0.27%vs
Carolina Bank & Trust Co.Bank Lamar, SC83 out of 100, Strong$844.6M13.5%0.41%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs