Credit Union Safety Analysis
Is Allsouth Federal Credit Union Safe? Columbia, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Allsouth Federal Credit Union has a net worth ratio of 19.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.41%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Allsouth Federal Credit Union's net worth ratio is 19.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.60%
- Delinquency ratio (60+ days) (Q2 2026): 0.41%
- Return on assets (Q2 2026): 1.96%
- Loan-to-share ratio (Q2 2026): 65.37%
Allsouth Federal Credit Union (NCUA charter 13828, established 1960) reported $1.51B in assets and 119,585 members for Q2 2026 from Columbia, South Carolina. It ranks 5 of 45 credit unions in South Carolina by total assets. Total assets grew 6.2% from $1.42B on June 30, 2025. It has 667 more members than on June 30, 2025 (+0.6%). Its net worth ratio was up 0.46 percentage points from 19.14% on June 30, 2025. Used vehicle loans are its largest loan category, $329.0M of $799.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.41% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 19.20% for Q1 2026; 19.14% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.31% for Q1 2026; 0.52% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.50% for Q1 2026; 1.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 64.05% for Q1 2026; 60.55% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $329.0M
- 1- to 4-family residential and other consumer real estate loans: $295.3M
- New vehicle loans: $132.4M
- Other unsecured loans and lines of credit: $34.2M
- Other secured non-real estate loans and lines of credit: $7.5M
- Commercial loans: $285K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.51B | 19.60% | 0.41% | 1.96% | 65.37% |
| March 31, 2026 | $1.51B | 19.20% | 0.31% | 1.50% | 64.05% |
| December 31, 2025 | $1.47B | 19.34% | 0.46% | 1.21% | 63.95% |
| September 30, 2025 | $1.44B | 19.45% | 0.52% | 1.94% | 61.53% |
| June 30, 2025 | $1.42B | 19.14% | 0.52% | 1.66% | 60.55% |
| March 31, 2025 | $1.42B | 18.84% | 0.38% | 2.59% | 58.85% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Allsouth Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13828) · FFIEC NIC profile (RSSD 263588)
Frequently asked questions
Is Allsouth Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Allsouth Federal Credit Union's net worth ratio is 19.60%, above the 7% NCUA threshold for well capitalized.
Is Allsouth Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Allsouth Federal Credit Union is a federally insured credit union (NCUA charter 13828): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Allsouth Federal Credit Union's key safety ratios?
For Q2 2026, Allsouth Federal Credit Union reports net worth 19.60%, delinquency 0.41%, ROA 1.96%, loan-to-share 65.37%.
What happens to my money if Allsouth Federal Credit Union fails?
For Q2 2026, Allsouth Federal Credit Union held $1.22B in shares and deposits for 119,585 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.