TellerScore

South Central Credit Union is a federally insured state-chartered credit union headquartered in Jackson, Michigan, in business for about 72 years. At the end of Q2 2026 it reported $84.6M in total assets and $72.0M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, South Central Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 55th. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 4% uninsured), and its lowest is earnings (26/100; 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.20%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity100/100
Loans ÷ shares: 55.8% · 4.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.90%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

TellerScore
768186Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202480
Q1 202576
Q2 202578
Q3 202580
Q4 202580
Q1 202679
Q2 202678
Net worth ratio
7.00%10.71%14.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.99%
Q3 202414.41%
Q4 202414.39%
Q1 202513.97%
Q2 202513.99%
Q3 202514.32%
Q4 202514.23%
Q1 202614.29%
Q2 202614.20%
Delinquent loans (60+ days)
0.34%0.61%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.34%
Q4 20240.88%
Q1 20250.74%
Q2 20250.54%
Q3 20250.51%
Q4 20250.40%
Q1 20260.61%
Q2 20260.56%
Return on assets
0.16%0.55%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.90%
Q4 20240.72%
Q1 20250.17%
Q2 20250.28%
Q3 20250.37%
Q4 20250.21%
Q1 20260.26%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$84.6M14.20%0.56%0.16%55.8%
Q1 202679$84.9M14.29%0.61%0.26%55.0%
Q4 202580$84.8M14.23%0.40%0.21%55.3%
Q3 202580$84.7M14.32%0.51%0.37%54.0%
Q2 202578$85.9M13.99%0.54%0.28%52.1%
Q1 202576$86.3M13.97%0.74%0.17%51.0%
Q4 202480$83.6M14.39%0.88%0.72%53.1%
Q3 202486$83.1M14.41%0.34%0.90%55.9%
Q2 202485$84.5M13.99%0.40%0.94%57.9%

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 ratio14.20%
49th
Problem loans0.56%
56th
Net charge-offs0.46%
29th
Return on assets0.16%
26th
Loans to deposits55.8%
54th
Uninsured deposits4.4%
25th
Loan-loss reserves0.00%
37th
Texas ratio1.9%
53rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Shore to Shore Community Federal Credit UnionCredit union Trenton, MI81 out of 100, Strong$85.1M12.0%0.73%vs
Limestone Financial Credit UnionCredit union Manistique, MI65 out of 100, Moderate$83.1M10.7%0.55%vs
Lake Huron Credit UnionCredit union Saginaw, MI74 out of 100, Strong$81.5M14.8%1.25%vs
Muskegon Federal Credit UnionCredit union Muskegon, MI75 out of 100, Strong$80.8M11.0%0.18%vs
Wexford Community Credit UnionCredit union Cadillac, MI54 out of 100, Below average$88.8M8.6%0.81%vs
Thornapple Credit UnionCredit union Hastings, MI68 out of 100, Moderate$79.2M9.8%0.59%vs

Deposit insurance

Is my money safe at South Central Credit Union?

Yes. South Central Credit Union is a federally insured credit union (NCUA charter #62143). 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 4.4% of shares and deposits ($3.2M) 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 14.20%, 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

South Central Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
South Central Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62143
RSSD ID
799498
Primary regulator
State + NCUA
Established
1954
Headquarters
P.O. Box 27, Jackson, MI 49204
Employees
19

Quick answers

South Central Credit Union: common questions

Is South Central Credit Union NCUA insured?

Yes. South Central Credit Union is a federally insured credit union (NCUA charter #62143). 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 Central Credit Union's TellerScore?

78 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 Central Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jackson

InstitutionScoreAssetsCapitalProblem loansCompare
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Aeroquip Credit UnionCredit union Jackson, MI78 out of 100, Strong$51.6M15.8%0.62%vs
Chelsea State BankBank Chelsea, MI75 out of 100, Strong$416.5M12.8%1.33%vs
Lafcu Credit UnionCredit union Lansing, MI72 out of 100, Strong$1.1B20.7%1.24%vs
Eaton Community BankBank Charlotte, MI71 out of 100, Strong$543.5M12.9%1.23%vs