CPM Federal Credit Union North Charleston, South Carolina
CPM Federal Credit Union is a federal credit union headquartered in North Charleston, SC, established in 1975 (NCUA charter 21971), and it is regulated and insured by the NCUA. At Q2 2026 it reported 67,624 members and total assets of $759.3M (up 12.8% from Q2 2025), the 11th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 8.89% at Q2 2026, in the well capitalized band.
Also written as CPM FCU
BankRegReports is independent of CPM Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21971
- Headquarters
- North Charleston, SC
- Established
- 1975
- Total assets, Q2 2026
- $759.3M
- Assets vs Q2 2025
- +12.8%
- Members, Q2 2026
- 67,624
- Net worth ratio, Q2 2026
- 8.89%
- Latest call report
- Q2 2026, NCUA 5300 · CPM Federal Credit Union call report
- Asset rank in state
- 11th of 45 in South Carolina
- Routing number
- 253279536
- Branches
- 12
It has 1,760 more members than on June 30, 2025 (+2.7%). Its net worth ratio was down 0.89 percentage points from 9.78% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $304.2M of $506.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.92% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 8.89% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in South Carolina
Frequently asked about CPM Federal Credit Union
How big is CPM Federal Credit Union?
At Q2 2026 it reported total assets of $759.3M and 67,624 members.
Where is CPM Federal Credit Union headquartered?
It is headquartered in North Charleston, SC, United States.
When was CPM Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is CPM Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21971): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates CPM Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is CPM Federal Credit Union well capitalized?
Its net worth ratio was 8.89% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is CPM Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.92% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is CPM Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.56% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- North Charleston, SC 29405
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 21971
- RSSD ID
- 861582
- Members
- 67,624
- Potential members
- 511,380
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 8.89% | 11.43% | 12th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.95% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -10.71% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.29% | 3.70% | 25th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 75.48% | 76.55% | 53rd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.53% | 1.24% | 27th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.92% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.82% | 4.92% | 44th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 73.56% | 75.66% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$759.3M total assets against $673.2M; $688.0M total shares and deposits against $602.0M; $506.1M total loans against $463.9M.
$67.6M net worth against $66.0M.
8.89% net worth ratio against 9.78%.
73.56% loan-to-share ratio against 77.06%.
1.92% delinquency ratio against 2.31%.
-0.95% return on assets against 0.85%; -10.71% return on equity against 8.66%.
3.29% net interest margin against 3.65%.
67,624 members against 65,864.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.89% | -0.95% | 1.92% | 73.56% |
| March 31, 2026 | 9.34% | 1.22% | 1.10% | 71.78% |
| December 31, 2025 | 9.55% | 0.62% | 2.18% | 75.93% |
| September 30, 2025 | 9.69% | 0.59% | 2.23% | 77.42% |
| June 30, 2025 | 9.78% | 0.85% | 2.31% | 77.06% |
| March 31, 2025 | 9.43% | 0.52% | 1.14% | 73.37% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.