Credit Union Safety Analysis
Is Safe Federal Credit Union Safe? Sumter, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Safe Federal Credit Union has a net worth ratio of 10.97%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, 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, Safe Federal Credit Union's net worth ratio is 10.97%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.97%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 1.39%
- Loan-to-share ratio (Q2 2026): 79.12%
Safe Federal Credit Union (NCUA charter 9988, established 1955) reported $1.97B in assets and 140,414 members for Q2 2026 from Sumter, South Carolina. It ranks 4 of 45 credit unions in South Carolina by total assets. Total assets grew 4.3% from $1.88B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.71% for Q1 2026; 10.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.65% for Q1 2026; 1.03% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.15% for Q1 2026; 1.62% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 76.14% for Q1 2026; 77.05% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $582.4M
- Used vehicle loans: $335.9M
- New vehicle loans: $203.8M
- Other unsecured loans and lines of credit: $117.3M
- Unsecured credit card loans: $102.7M
- Other secured non-real estate loans and lines of credit: $14.0M
- Commercial loans: $4.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.97B | 10.97% | 0.63% | 1.39% | 79.12% |
| March 31, 2026 | $1.95B | 10.71% | 0.65% | 1.15% | 76.14% |
| December 31, 2025 | $1.94B | 10.46% | 1.08% | 0.94% | 77.74% |
| September 30, 2025 | $1.88B | 10.66% | 1.13% | 1.63% | 78.63% |
| June 30, 2025 | $1.88B | 10.24% | 1.03% | 1.62% | 77.05% |
| March 31, 2025 | $1.91B | 9.72% | 0.87% | 1.31% | 76.00% |
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Free to use. It shows Safe Federal Credit Union’s latest filed figures and updates each quarter.
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.
Safe Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9988) · FFIEC NIC profile (RSSD 67889)
Frequently asked questions
Is Safe Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Safe Federal Credit Union's net worth ratio is 10.97%, above the 7% NCUA threshold for well capitalized.
Is Safe Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Safe Federal Credit Union is a federally insured credit union (NCUA charter 9988): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Safe Federal Credit Union's key safety ratios?
For Q2 2026, Safe Federal Credit Union reports net worth 10.97%, delinquency 0.63%, ROA 1.39%, loan-to-share 79.12%.
What happens to my money if Safe Federal Credit Union fails?
For Q2 2026, Safe Federal Credit Union held $1.72B in shares and deposits for 140,414 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.