Palmetto Citizens Federal Credit Union Columbia, South Carolina
Palmetto Citizens Federal Credit Union is a federal credit union headquartered in Columbia, SC, established in 1936 (NCUA charter 1472), and it is regulated and insured by the NCUA. At Q2 2026 it reported 87,082 members and total assets of $1.50B (up 6.5% from Q2 2025), the 6th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 13.48% at Q2 2026, in the well capitalized band.
Also written as Palmetto Citizens FCU
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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
- 1472
- Headquarters
- Columbia, SC
- Established
- 1936
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- +6.5%
- Members, Q2 2026
- 87,082
- Net worth ratio, Q2 2026
- 13.48%
- Latest call report
- Q2 2026, NCUA 5300 · Palmetto Citizens Federal Credit Union call report
- Asset rank in state
- 6th of 45 in South Carolina
- Routing number
- 253978617
- Branches
- 16
It has 1,898 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.63 percentage points from 12.85% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $465.7M of $829.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.11% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.48% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in South Carolina
Frequently asked about Palmetto Citizens Federal Credit Union
How big is Palmetto Citizens Federal Credit Union?
At Q2 2026 it reported total assets of $1.50B and 87,082 members.
Where is Palmetto Citizens Federal Credit Union headquartered?
It is headquartered in Columbia, SC, United States.
When was Palmetto Citizens Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Palmetto Citizens Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1472): 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 Palmetto Citizens Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Palmetto Citizens Federal Credit Union well capitalized?
Its net worth ratio was 13.48% 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 Palmetto Citizens Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.11% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Palmetto Citizens Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.31% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Columbia, SC 29201
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1472
- RSSD ID
- 510778
- Members
- 87,082
- Potential members
- 713,017
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.48% | 10.89% | 82nd top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.66% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.29% | 8.07% | 83rd top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.91% | 3.45% | 80th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 65.32% | 70.59% | 68th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.23% | 1.68% | 83rd top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.11% | 0.68% | 23rd bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.14% | 5.12% | 52nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 69.31% | 88.03% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.50B total assets against $1.41B; $1.20B total shares and deposits against $1.12B; $829.8M total loans against $796.5M.
$201.8M net worth against $180.9M.
13.48% net worth ratio against 12.85%.
69.31% loan-to-share ratio against 71.18%.
1.11% delinquency ratio against 0.81%.
1.66% return on assets against 1.76%; 12.29% return on equity against 13.68%.
3.91% net interest margin against 3.95%.
87,082 members against 85,184.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.48% | 1.66% | 1.11% | 69.31% |
| March 31, 2026 | 13.21% | 1.33% | 1.04% | 69.43% |
| December 31, 2025 | 13.34% | 1.61% | 1.07% | 71.17% |
| September 30, 2025 | 13.14% | 1.72% | 0.96% | 72.18% |
| June 30, 2025 | 12.85% | 1.76% | 0.81% | 71.18% |
| March 31, 2025 | 12.51% | 0.81% | 0.75% | 69.08% |
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.
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.