Headquartered in North Augusta, South Carolina, Srp Federal Credit Union is a federal credit union with $2.1B in total assets and $1.8B in member shares and deposits as of Q2 2026. It operates 19 offices across 2 states. Its charter dates back to 1960.
Srp Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 89% of its 454 credit unions with $1 billion – $10 billion. Among 45 credit unions headquartered in South Carolina, it ranks 13th. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (73/100, 1.34%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 77 |
| Q1 2026 | 75 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.37% |
| Q3 2024 | 13.68% |
| Q4 2024 | 13.25% |
| Q1 2025 | 12.88% |
| Q2 2025 | 13.25% |
| Q3 2025 | 13.71% |
| Q4 2025 | 13.41% |
| Q1 2026 | 13.49% |
| Q2 2026 | 13.79% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.78% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.17% |
| Q2 2026 | 0.74% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.61% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $2.1B | 13.79% | 0.74% | 1.34% | 81.9% |
| Q1 2026 | 75 | $2.1B | 13.49% | 1.17% | 1.22% | 80.4% |
| Q4 2025 | 77 | $2.1B | 13.41% | 1.04% | 1.39% | 81.8% |
| Q3 2025 | 82 | $2.0B | 13.71% | 0.78% | 1.64% | 83.0% |
| Q2 2025 | 82 | $2.0B | 13.25% | 0.70% | 1.49% | 76.7% |
| Q1 2025 | 79 | $2.0B | 12.88% | 0.68% | 1.22% | 74.9% |
| Q4 2024 | 80 | $1.9B | 13.25% | 0.76% | 1.32% | 75.7% |
| Q3 2024 | 84 | $1.8B | 13.68% | 0.72% | 1.61% | 74.6% |
| Q2 2024 | 84 | $1.8B | 13.37% | 0.60% | 1.57% | 73.2% |
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 |
|---|---|---|---|---|---|
| Safe Federal Credit UnionCredit union Sumter, SC | 73 out of 100, Strong | $2.0B | 11.0% | 0.63% | vs |
| South Carolina Federal Credit UnionCredit union North Charlesto, SC | 76 out of 100, Strong | $2.6B | 13.3% | 0.60% | 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 Srp Federal Credit Union?
Yes. Srp Federal Credit Union is a federally insured credit union (NCUA charter #24410). 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 4.9% of shares and deposits ($86.5M) 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 13.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
19 locations
Branches
Srp Federal Credit Union lists 19 offices in 12 cities across 2 states. Most locations:
- Aiken, SC (4)
- Augusta, GA (3)
- North Augusta, SC (3)
- Allendale, SC (1)
- Barnwell, SC (1)
- Edgefield, SC (1)
- Evans, GA (1)
- Graniteville, SC (1)
- Grovetown, GA (1)
- Martinez, GA (1)
- Thomson, GA (1)
- Warrenville, SC (1)
HMDA 2025
Mortgage lending
In 2025, Srp Federal Credit Union reported 1,140 home-loan applications under HMDA (LEI 549300K80E72C24ZOJ37): 782 originated ($150,590,000 total), 162 denied, and 165 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.6%, 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
- Srp Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24410
- RSSD ID
- 437192
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- Po Box 6730, North Augusta, SC 29861
- Employees
- 460
Quick answers
Srp Federal Credit Union: common questions
Is Srp Federal Credit Union NCUA insured?
Yes. Srp Federal Credit Union is a federally insured credit union (NCUA charter #24410). 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 Srp Federal Credit Union's TellerScore?
81 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 Srp Federal Credit Union have?
19 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near North Augusta
| 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 |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| Associated Credit UnionCredit union Norcross, GA | 77 out of 100, Strong | $2.5B | 13.0% | 0.30% | vs |