S. C. State Federal Credit Union is a federal credit union headquartered in Columbia, South Carolina, in business for about 74 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.2B in member shares and deposits, with 16 offices.
Based on its Q2 2026 filing, S. C. State Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 98% of 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in South Carolina, it ranks 4th. Its strongest component is capital cushion (100/100; 15.57%), and its lowest is loan quality (73/100; 0.82%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (89 → 91), mostly because the capital cushion component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 83 |
| Q4 2024 | 85 |
| Q1 2025 | 89 |
| Q2 2025 | 89 |
| Q3 2025 | 91 |
| Q4 2025 | 88 |
| Q1 2026 | 91 |
| Q2 2026 | 91 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.83% |
| Q3 2024 | 13.16% |
| Q4 2024 | 14.15% |
| Q1 2025 | 14.15% |
| Q2 2025 | 14.53% |
| Q3 2025 | 15.00% |
| Q4 2025 | 15.03% |
| Q1 2026 | 15.18% |
| Q2 2026 | 15.57% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.82% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.80% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.73% |
| Q1 2025 | 2.20% |
| Q2 2025 | 1.87% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.84% |
| Q1 2026 | 2.05% |
| Q2 2026 | 2.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $1.5B | 15.57% | 0.82% | 2.06% | 70.2% |
| Q1 2026 | 91 | $1.5B | 15.18% | 0.80% | 2.05% | 69.8% |
| Q4 2025 | 88 | $1.4B | 15.03% | 0.92% | 1.84% | 71.9% |
| Q3 2025 | 91 | $1.4B | 15.00% | 0.82% | 1.97% | 71.7% |
| Q2 2025 | 89 | $1.4B | 14.53% | 0.78% | 1.87% | 70.4% |
| Q1 2025 | 89 | $1.4B | 14.15% | 0.79% | 2.20% | 69.0% |
| Q4 2024 | 85 | $1.3B | 14.15% | 0.99% | 1.73% | 69.9% |
| Q3 2024 | 83 | $1.4B | 13.16% | 0.94% | 1.77% | 70.4% |
| Q2 2024 | 84 | $1.4B | 12.83% | 0.75% | 1.80% | 69.6% |
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).
Similar-size credit unions in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Palmetto Citizens Federal Credit UnionCredit union Columbia, SC | 80 out of 100, Strong | $1.5B | 13.5% | 1.11% | vs |
| Allsouth Federal Credit UnionCredit union Columbia, SC | 93 out of 100, Very strong | $1.5B | 19.6% | 0.41% | vs |
| Sharonview Federal Credit UnionCredit union Fort Mill, SC | 44 out of 100, Below average | $1.3B | 7.6% | 1.18% | vs |
| Rev Federal Credit UnionCredit union Charleston, SC | 72 out of 100, Strong | $1.2B | 13.8% | 0.57% | vs |
| Safe Federal Credit UnionCredit union Sumter, SC | 73 out of 100, Strong | $2.0B | 11.0% | 0.63% | vs |
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
Deposit insurance
Is my money safe at S. C. State Federal Credit Union?
Yes. S. C. State Federal Credit Union is a federally insured credit union (NCUA charter #24824). 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 ($44.1M) 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 15.57%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
S. C. State Federal Credit Union lists 16 offices in 11 cities. Most locations:
- Columbia, SC (4)
- Anderson, SC (2)
- Lexington, SC (2)
- Aiken, SC (1)
- Florence, SC (1)
- Greenville, SC (1)
- Greenwood, SC (1)
- Irmo, SC (1)
- North Charleston, SC (1)
- Seneca, SC (1)
- Spartanburg, SC (1)
HMDA 2025
Mortgage lending
In 2025, S. C. State Federal Credit Union reported 1,615 home-loan applications under HMDA (LEI 5493001W9K6LDV5X2H07): 1,097 originated ($134,415,000 total), 364 denied, and 45 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.2%, 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
- S. C. State Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24824
- RSSD ID
- 327891
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- P.O. Box 726, Columbia, SC 29202
- Employees
- 284
Quick answers
S. C. State Federal Credit Union: common questions
Is S. C. State Federal Credit Union NCUA insured?
Yes. S. C. State Federal Credit Union is a federally insured credit union (NCUA charter #24824). 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. State Federal Credit Union's TellerScore?
91 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.
How many branches does S. C. State Federal Credit Union have?
16 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Carolina National Guard Federal Credit UnionCredit union Columbia, SC | 99 out of 100, Very strong | $98.3M | 26.6% | 0.13% | vs |
| Allsouth Federal Credit UnionCredit union Columbia, SC | 93 out of 100, Very strong | $1.5B | 19.6% | 0.41% | vs |
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| Columbia Post Office Credit UnionCredit union Columbia, SC | 89 out of 100, Very strong | $25.2M | 24.3% | 0.28% | vs |
| Curis Financial Credit UnionCredit union Columbia, SC | 82 out of 100, Strong | $84.3M | 23.5% | 0.59% | vs |
| Palmetto Citizens Federal Credit UnionCredit union Columbia, SC | 80 out of 100, Strong | $1.5B | 13.5% | 1.11% | vs |