TellerScore

Secured Advantage Federal Credit Union (NCUA charter #12877) is based in Simpsonville, South Carolina. Its Q2 2026 call report shows $55.7M in total assets and $48.2M in member shares and deposits and 2 offices across 2 states.

Secured Advantage Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 34th. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 1% uninsured); earnings contributes the least (8/100, -0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.18%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings8/100
Return on assets (annualized): -0.29%
Funding & liquidity100/100
Loans ÷ shares: 48.6% · 1.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.05%

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 8 points (57 → 65), mostly because the loan quality component improved by 38 points.

TellerScore
576369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202463
Q4 202461
Q1 202562
Q2 202557
Q3 202560
Q4 202564
Q1 202666
Q2 202665
Net worth ratio
7.00%9.96%12.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.75%
Q3 202412.53%
Q4 202412.72%
Q1 202512.44%
Q2 202512.84%
Q3 202512.93%
Q4 202512.56%
Q1 202612.40%
Q2 202612.18%
Delinquent loans (60+ days)
0.88%1.45%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.31%
Q3 20241.17%
Q4 20241.42%
Q1 20251.27%
Q2 20252.02%
Q3 20251.93%
Q4 20250.94%
Q1 20261.06%
Q2 20260.88%
Return on assets
-0.60%-0.07%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 2024-0.24%
Q4 2024-0.28%
Q1 2025-0.34%
Q2 2025-0.28%
Q3 2025-0.04%
Q4 2025-0.60%
Q1 2026-0.11%
Q2 2026-0.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$55.7M12.18%0.88%-0.29%48.6%
Q1 202666$57.8M12.40%1.06%-0.11%48.1%
Q4 202564$57.2M12.56%0.94%-0.60%51.8%
Q3 202560$58.1M12.93%1.93%-0.04%54.6%
Q2 202557$58.0M12.84%2.02%-0.28%58.0%
Q1 202562$60.2M12.44%1.27%-0.34%58.6%
Q4 202461$59.3M12.72%1.42%-0.28%63.1%
Q3 202463$60.6M12.53%1.17%-0.24%64.7%
Q2 202469$61.5M12.75%1.31%0.46%63.3%

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 ratio12.18%
33rd
Problem loans0.88%
43rd
Net charge-offs0.58%
24th
Return on assets-0.29%
14th
Loans to deposits48.6%
66th
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Tru Federal Credit UnionCredit union Greenwood, SC68 out of 100, Moderate$63.4M11.0%0.42%vs
Dixies Federal Credit UnionCredit union Darlington, SC77 out of 100, Strong$47.6M22.7%0.80%vs
Neighbors United Federal Credit UnionCredit union Greenwood, SC60 out of 100, Moderate$64.0M12.6%1.27%vs
Palmetto First Federal Credit UnionCredit union Florence, SC77 out of 100, Strong$64.1M21.0%1.89%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Latitude 32 Federal Credit UnionCredit union Charleston, SC88 out of 100, Very strong$69.5M14.8%0.39%vs

Deposit insurance

Is my money safe at Secured Advantage Federal Credit Union?

Yes. Secured Advantage Federal Credit Union is a federally insured credit union (NCUA charter #12877). 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 1.5% of shares and deposits ($720K) 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 12.18%, 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

Secured Advantage Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Secured Advantage Federal Credit Union
Type
Federal credit union
NCUA charter #
12877
RSSD ID
5283
Primary regulator
NCUA
Established
1959
Headquarters
PO Box 1539, Simpsonville, SC 29681
Employees
12

Quick answers

Secured Advantage Federal Credit Union: common questions

Is Secured Advantage Federal Credit Union NCUA insured?

Yes. Secured Advantage Federal Credit Union is a federally insured credit union (NCUA charter #12877). 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 Secured Advantage Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Secured Advantage Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Simpsonville

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
Anmed Federal Credit UnionCredit union Anderson, SC86 out of 100, Very strong$16.5M14.3%0.08%vs
First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC84 out of 100, Strong$597.1M29.1%0.73%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs