Safe Federal Credit Union Sumter, South Carolina
Safe Federal Credit Union is a federal credit union headquartered in Sumter, SC, established in 1955 (NCUA charter 9988), and it is regulated and insured by the NCUA. At Q2 2026 it reported 140,414 members and total assets of $1.97B (up 4.3% from Q2 2025), the 4th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 10.97% at Q2 2026, in the well capitalized band.
Also written as Safe 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
- 9988
- Headquarters
- Sumter, SC
- Established
- 1955
- Total assets, Q2 2026
- $1.97B
- Assets vs Q2 2025
- +4.3%
- Members, Q2 2026
- 140,414
- Net worth ratio, Q2 2026
- 10.97%
- Latest call report
- Q2 2026, NCUA 5300 · Safe Federal Credit Union call report
- Asset rank in state
- 4th of 45 in South Carolina
- Routing number
- 253279691
- Branches
- 21
It has 2,499 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.73 percentage points from 10.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $582.4M of $1.36B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.97% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in South Carolina
Credit unions merged into Safe Federal Credit Union
Sumter City Credit Union (2022)
Frequently asked about Safe Federal Credit Union
How big is Safe Federal Credit Union?
At Q2 2026 it reported total assets of $1.97B and 140,414 members.
Where is Safe Federal Credit Union headquartered?
It is headquartered in Sumter, SC, United States.
When was Safe Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Safe Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9988): 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 Safe Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Safe Federal Credit Union well capitalized?
Its net worth ratio was 10.97% 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 Safe Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.63% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Safe Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.12% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sumter, SC 29150
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 9988
- RSSD ID
- 67889
- Members
- 140,414
- Potential members
- 715,545
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.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.97% | 10.89% | 51st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.39% | 0.89% | 80th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.68% | 8.07% | 85th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.90% | 3.45% | 79th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 58.96% | 70.59% | 85th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.34% | 1.68% | 77th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.63% | 0.68% | 55th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.24% | 5.12% | 59th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 79.12% | 88.03% | 27th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.97B total assets against $1.88B; $1.72B total shares and deposits against $1.67B; $1.36B total loans against $1.29B.
$215.7M net worth against $193.1M.
10.97% net worth ratio against 10.24%.
79.12% loan-to-share ratio against 77.05%.
0.63% delinquency ratio against 1.03%.
1.39% return on assets against 1.62%; 12.68% return on equity against 15.81%.
3.90% net interest margin against 3.62%.
140,414 members against 142,913.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.97% | 1.39% | 0.63% | 79.12% |
| March 31, 2026 | 10.71% | 1.15% | 0.65% | 76.14% |
| December 31, 2025 | 10.46% | 0.94% | 1.08% | 77.74% |
| September 30, 2025 | 10.66% | 1.63% | 1.13% | 78.63% |
| June 30, 2025 | 10.24% | 1.62% | 1.03% | 77.05% |
| March 31, 2025 | 9.72% | 1.31% | 0.87% | 76.00% |
Scroll sideways to see every column.
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.