Credit Union Safety Analysis
Is Mid Carolina Credit Union Safe? Lugoff, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Mid Carolina Credit Union has a net worth ratio of 12.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.66%, 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, Mid Carolina Credit Union's net worth ratio is 12.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.69%
- Delinquency ratio (60+ days) (Q2 2026): 0.66%
- Return on assets (Q2 2026): 0.67%
- Loan-to-share ratio (Q2 2026): 68.00%
Mid Carolina Credit Union (NCUA charter 60735, established 1961) reported $181.8M in assets and 13,968 members for Q2 2026 from Lugoff, South Carolina. It ranks 19 of 45 credit unions in South Carolina by total assets. Total assets grew 1.3% from $179.5M on June 30, 2025. It has 127 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.59 percentage points from 12.10% on June 30, 2025. Used vehicle loans are its largest loan category, $35.8M of $109.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.66% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.82% for Q1 2026; 12.10% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.63% for Q1 2026; 0.45% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.13% for Q1 2026; 0.60% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 66.69% for Q1 2026; 65.36% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $35.8M
- 1- to 4-family residential and other consumer real estate loans: $35.7M
- New vehicle loans: $20.0M
- Other unsecured loans and lines of credit: $8.3M
- Commercial loans: $4.2M
- Other secured non-real estate loans and lines of credit: $3.5M
- Unsecured credit card loans: $1.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $181.8M | 12.69% | 0.66% | 0.67% | 68.00% |
| March 31, 2026 | $177.7M | 12.82% | 0.63% | 1.13% | 66.69% |
| December 31, 2025 | $182.2M | 12.22% | 0.70% | 0.79% | 66.78% |
| September 30, 2025 | $179.9M | 12.26% | 0.42% | 0.76% | 67.66% |
| June 30, 2025 | $179.5M | 12.10% | 0.45% | 0.60% | 65.36% |
| March 31, 2025 | $177.9M | 12.06% | 0.35% | 0.79% | 65.58% |
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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.
Mid Carolina Credit Union profile
Regulator records: NCUA credit union profile (charter 60735) · FFIEC NIC profile (RSSD 530196)
Frequently asked questions
Is Mid Carolina Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mid Carolina Credit Union's net worth ratio is 12.69%, above the 7% NCUA threshold for well capitalized.
Is Mid Carolina Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mid Carolina Credit Union is a federally insured credit union (NCUA charter 60735): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mid Carolina Credit Union's key safety ratios?
For Q2 2026, Mid Carolina Credit Union reports net worth 12.69%, delinquency 0.66%, ROA 0.67%, loan-to-share 68.00%.
What happens to my money if Mid Carolina Credit Union fails?
For Q2 2026, Mid Carolina Credit Union held $160.6M in shares and deposits for 13,968 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.