Credit Union Safety Analysis
Is S.C.H.D. District 7 Federal Credit Union Safe? Orangeburg, South Carolina
Based on its Q2 2026 NCUA 5300 call report, S.C.H.D. District 7 Federal Credit Union has a net worth ratio of 17.70%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 7.50%, 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.H.D. District 7 Federal Credit Union's net worth ratio is 17.70%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.70%
- Delinquency ratio (60+ days) (Q2 2026): 7.50%
- Return on assets (Q2 2026): -2.02%
- Loan-to-share ratio (Q2 2026): 56.20%
S.C.H.D. District 7 Federal Credit Union (NCUA charter 18423, established 1967) reported $4.9M in assets and 540 members for Q2 2026 from Orangeburg, South Carolina. It ranks 44 of 45 credit unions in South Carolina by total assets. Total assets grew 5.0% from $4.7M on June 30, 2025. It has 5 more members than on June 30, 2025 (+0.9%). Its net worth ratio was down 1.04 percentage points from 18.74% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 7.50% is above 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: 18.74% for Q1 2026; 18.74% 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: 4.48% for Q1 2026; 1.16% 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: 0.51% for Q1 2026; 2.74% 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: 59.08% for Q1 2026; 62.40% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.2M
- Other unsecured loans and lines of credit: $694K
- New vehicle loans: $246K
- Other secured non-real estate loans and lines of credit: $82K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.9M | 17.70% | 7.50% | -2.02% | 56.20% |
| March 31, 2026 | $4.8M | 18.74% | 4.48% | 0.51% | 59.08% |
| December 31, 2025 | $4.6M | 19.45% | 5.00% | 0.29% | 65.02% |
| September 30, 2025 | $4.6M | 19.23% | 4.44% | 0.71% | 65.61% |
| June 30, 2025 | $4.7M | 18.74% | 1.16% | 2.74% | 62.40% |
| March 31, 2025 | $4.6M | 18.29% | 1.51% | -0.41% | 62.92% |
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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.H.D. District 7 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18423) · FFIEC NIC profile (RSSD 672386)
Frequently asked questions
Is S.C.H.D. District 7 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S.C.H.D. District 7 Federal Credit Union's net worth ratio is 17.70%, above the 7% NCUA threshold for well capitalized.
Is S.C.H.D. District 7 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S.C.H.D. District 7 Federal Credit Union is a federally insured credit union (NCUA charter 18423): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S.C.H.D. District 7 Federal Credit Union's key safety ratios?
For Q2 2026, S.C.H.D. District 7 Federal Credit Union reports net worth 17.70%, delinquency 7.50%, ROA -2.02%, loan-to-share 56.20%.
What happens to my money if S.C.H.D. District 7 Federal Credit Union fails?
For Q2 2026, S.C.H.D. District 7 Federal Credit Union held $4.0M in shares and deposits for 540 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.