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.

From Q2 2025 to Q2 2026, the score rose 3 points (63 → 66), mostly because the loan quality component improved by 9 points.

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

Yes. Spc Credit Union is a federally insured credit union (NCUA charter #60686). 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 3.5% of shares and deposits ($8.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.42%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Spc Credit Union lists 7 offices in 5 cities. Most locations:

• Bennettsville, SC (2)
• Hartsville, SC (2)
• Cheraw, SC (1)
• Darlington, SC (1)
• Florence, SC (1)

All branch addresses and map

In 2025, Spc Credit Union reported 75 home-loan applications under HMDA (LEI 5493003CWPNX7EZ46462): 20 originated ($3,910,000 total), 22 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 46.8%, 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.

Legal name

Spc Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

60686

RSSD ID

497990

Primary regulator

State + NCUA

Established

1949

Headquarters

P.O. Box 1355, Hartsville, SC 29551

Employees

80