Santee Cooper Credit Union Moncks Corner, South Carolina
Santee Cooper Credit Union is a state-chartered credit union headquartered in Moncks Corner, SC, established in 1953 (NCUA charter 60745), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,218 members and total assets of $95.9M (up 13.1% from Q2 2025), the 24th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 15.01% at Q2 2026, in the well capitalized band.
Also written as Santee Cooper CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60745
- Headquarters
- Moncks Corner, SC
- Established
- 1953
- Total assets, Q2 2026
- $95.9M
- Assets vs Q2 2025
- +13.1%
- Members, Q2 2026
- 7,218
- Net worth ratio, Q2 2026
- 15.01%
- Latest call report
- Q2 2026, NCUA 5300 · Santee Cooper Credit Union call report
- Asset rank in state
- 24th of 45 in South Carolina
- Routing number
- 253279507
- Branches
- 2
It has 183 more members than on June 30, 2025 (+2.6%). Its net worth ratio was down 0.31 percentage points from 15.32% on June 30, 2025. Used vehicle loans are its largest loan category, $34.5M of $64.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.97% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.01% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in South Carolina
Frequently asked about Santee Cooper Credit Union
How big is Santee Cooper Credit Union?
At Q2 2026 it reported total assets of $95.9M and 7,218 members.
Where is Santee Cooper Credit Union headquartered?
It is headquartered in Moncks Corner, SC, United States.
When was Santee Cooper Credit Union founded?
It was established in 1953, per NCUA records.
Is Santee Cooper Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60745): 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 Santee Cooper Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Santee Cooper Credit Union well capitalized?
Its net worth ratio was 15.01% 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 Santee Cooper Credit Union's delinquency ratio?
Its delinquency ratio was 0.97% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Santee Cooper Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.71% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Moncks Corner, SC 29461
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 60745
- RSSD ID
- 563390
- Members
- 7,218
- Potential members
- 50,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.01% | 14.31% | 53rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.29% | 0.72% | 75th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.62% | 4.74% | 75th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.27% | 3.93% | 64th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 74.27% | 79.83% | 62nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.12% | 0.78% | 31st below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.97% | 0.86% | 47th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.39% | 4.70% | 76th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 80.71% | 58.92% | 81st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$95.9M total assets against $84.8M; $80.4M total shares and deposits against $70.9M; $64.9M total loans against $58.5M.
$14.4M net worth against $13.0M.
15.01% net worth ratio against 15.32%.
80.71% loan-to-share ratio against 82.56%.
0.97% delinquency ratio against 0.87%.
1.29% return on assets against 1.82%; 8.62% return on equity against 11.91%.
4.27% net interest margin against 4.43%.
7,218 members against 7,035.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.01% | 1.29% | 0.97% | 80.71% |
| March 31, 2026 | 15.16% | 1.30% | 0.69% | 79.66% |
| December 31, 2025 | 15.46% | 1.81% | 0.89% | 80.79% |
| September 30, 2025 | 15.69% | 1.81% | 0.54% | 84.18% |
| June 30, 2025 | 15.32% | 1.82% | 0.87% | 82.56% |
| March 31, 2025 | 15.54% | 1.49% | 0.53% | 82.39% |
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.