South Carolina Federal Credit Union (NCUA charter #1022) is based in North Charlesto, South Carolina. Its Q2 2026 call report shows $2.6B in total assets and $2.1B in member shares and deposits and 19 offices.
South Carolina Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in South Carolina, it ranks 21st. Problem-loan coverage contributes the most (93/100, 3.4%); earnings contributes the least (59/100, 0.98%).
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 6 points (70 → 76), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.05% |
| Q3 2024 | 12.39% |
| Q4 2024 | 12.42% |
| Q1 2025 | 12.60% |
| Q2 2025 | 12.84% |
| Q3 2025 | 13.05% |
| Q4 2025 | 13.23% |
| Q1 2026 | 13.18% |
| Q2 2026 | 13.34% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $2.6B | 13.34% | 0.60% | 0.98% | 93.2% |
| Q1 2026 | 77 | $2.6B | 13.18% | 0.47% | 0.99% | 92.9% |
| Q4 2025 | 71 | $2.5B | 13.23% | 0.91% | 0.79% | 95.6% |
| Q3 2025 | 71 | $2.5B | 13.05% | 0.92% | 0.79% | 95.7% |
| Q2 2025 | 70 | $2.5B | 12.84% | 0.74% | 0.66% | 96.8% |
| Q1 2025 | 71 | $2.5B | 12.60% | 0.54% | 0.58% | 96.1% |
| Q4 2024 | 71 | $2.5B | 12.42% | 0.63% | 0.85% | 99.8% |
| Q3 2024 | 72 | $2.5B | 12.39% | 0.56% | 0.92% | 98.9% |
| Q2 2024 | 73 | $2.5B | 12.05% | 0.43% | 0.93% | 99.7% |
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 |
|---|---|---|---|---|---|
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
| Safe Federal Credit UnionCredit union Sumter, SC | 73 out of 100, Strong | $2.0B | 11.0% | 0.63% | vs |
| Allsouth Federal Credit UnionCredit union Columbia, SC | 93 out of 100, Very strong | $1.5B | 19.6% | 0.41% | vs |
| Palmetto Citizens Federal Credit UnionCredit union Columbia, SC | 80 out of 100, Strong | $1.5B | 13.5% | 1.11% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| Sharonview Federal Credit UnionCredit union Fort Mill, SC | 44 out of 100, Below average | $1.3B | 7.6% | 1.18% | vs |
Deposit insurance
Is my money safe at South Carolina Federal Credit Union?
Yes. South Carolina Federal Credit Union is a federally insured credit union (NCUA charter #1022). 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 7.5% of shares and deposits ($157.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 13.34%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
19 locations
Branches
South Carolina Federal Credit Union lists 19 offices in 12 cities. Most locations:
- Charleston, SC (4)
- Columbia, SC (2)
- Goose Creek, SC (2)
- Mt Pleasant, SC (2)
- North Charleston, SC (2)
- Georgetown, SC (1)
- Lexington, SC (1)
- Moncks Corner, SC (1)
- Simpsonville, SC (1)
- Spartanburg, SC (1)
- Summerville, SC (1)
- West Columbia, SC (1)
HMDA 2025
Mortgage lending
In 2025, South Carolina Federal Credit Union reported 1,626 home-loan applications under HMDA (LEI 549300WC12JROIUVWY16): 944 originated ($239,850,000 total), 179 denied, and 485 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.7%, 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
- South Carolina Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1022
- RSSD ID
- 625476
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- Po Box 190012, North Charlesto, SC 29419
- Employees
- 582
Quick answers
South Carolina Federal Credit Union: common questions
Is South Carolina Federal Credit Union NCUA insured?
Yes. South Carolina Federal Credit Union is a federally insured credit union (NCUA charter #1022). 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 South Carolina 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 South Carolina Federal Credit Union have?
19 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near North Charlesto
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC | 88 out of 100, Very strong | $413.6M | 16.6% | 0.74% | vs |
| Latitude 32 Federal Credit UnionCredit union Charleston, SC | 88 out of 100, Very strong | $69.5M | 14.8% | 0.39% | vs |
| First National Bank of South CarolinaBank Holly Hill, SC | 82 out of 100, Strong | $309.7M | 12.4% | 0.43% | vs |
| The Bank of South CarolinaBank Charleston, SC | 77 out of 100, Strong | $571.2M | 11.8% | 0.29% | vs |