Credit Union Safety Analysis
Is S C I Federal Credit Union Safe? Florence, South Carolina
Based on its Q2 2026 NCUA 5300 call report, S C I Federal Credit Union has a net worth ratio of 14.24%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, 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, S C I Federal Credit Union's net worth ratio is 14.24%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.24%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): -0.11%
- Loan-to-share ratio (Q2 2026): 46.25%
S C I Federal Credit Union (NCUA charter 16655, established 1965) reported $23.6M in assets and 1,544 members for Q2 2026 from Florence, South Carolina. It ranks 36 of 45 credit unions in South Carolina by total assets. Total assets grew 6.3% from $22.2M on June 30, 2025. It has 115 fewer members than on June 30, 2025 (-6.9%). Its net worth ratio was down 0.83 percentage points from 15.07% on June 30, 2025. Used vehicle loans are its largest loan category, $4.0M of $9.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.36% for Q1 2026; 15.07% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.54% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.40% for Q1 2026; 0.42% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 46.74% for Q1 2026; 49.73% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.0M
- New vehicle loans: $2.3M
- Other secured non-real estate loans and lines of credit: $1.2M
- Other unsecured loans and lines of credit: $1.2M
- Unsecured credit card loans: $584K
- 1- to 4-family residential and other consumer real estate loans: $33K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $23.6M | 14.24% | 0.36% | -0.11% | 46.25% |
| March 31, 2026 | $23.4M | 14.36% | — | -0.40% | 46.74% |
| December 31, 2025 | $22.6M | 14.96% | 0.13% | 0.40% | 49.66% |
| September 30, 2025 | $22.3M | 15.15% | 0.14% | 0.65% | 49.87% |
| June 30, 2025 | $22.2M | 15.07% | 0.54% | 0.42% | 49.73% |
| March 31, 2025 | $22.8M | 14.53% | 0.38% | -0.14% | 48.09% |
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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.
S C I Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16655) · FFIEC NIC profile (RSSD 641681)
Frequently asked questions
Is S C I Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S C I Federal Credit Union's net worth ratio is 14.24%, above the 7% NCUA threshold for well capitalized.
Is S C I Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S C I Federal Credit Union is a federally insured credit union (NCUA charter 16655): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S C I Federal Credit Union's key safety ratios?
For Q2 2026, S C I Federal Credit Union reports net worth 14.24%, delinquency 0.36%, ROA -0.11%, loan-to-share 46.25%.
What happens to my money if S C I Federal Credit Union fails?
For Q2 2026, S C I Federal Credit Union held $20.2M in shares and deposits for 1,544 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.