South Carolina Federal Credit Union North Charleston, South Carolina
South Carolina Federal Credit Union is a federal credit union headquartered in North Charleston, SC, established in 1936 (NCUA charter 1022), and it is regulated and insured by the NCUA. At Q2 2026 it reported 157,780 members and total assets of $2.59B (up 2.9% from Q2 2025), the 2nd largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 13.34% at Q2 2026, in the well capitalized band.
Also written as South Carolina 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
- 1022
- Headquarters
- North Charleston, SC
- Established
- 1936
- Total assets, Q2 2026
- $2.59B
- Assets vs Q2 2025
- +2.9%
- Members, Q2 2026
- 157,780
- Net worth ratio, Q2 2026
- 13.34%
- Latest call report
- Q2 2026, NCUA 5300 · South Carolina Federal Credit Union call report
- Asset rank in state
- 2nd of 45 in South Carolina
- Routing number
- 253278401
- Branches
- 33
It has 2,626 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 0.50 percentage points from 12.84% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.26B of $1.96B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.34% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in South Carolina
Credit unions merged into South Carolina Federal Credit Union
G.H.S. Federal Credit Union (2022) · Charleston County Teachers Federal Credit Union (2020) · Spartanburg City Employees Credit Union (2020) · Health Facilities Federal Credit Union (2020) · Spartan Federal Credit Union (2019) · Florence Dupont Employees Federal Credit Union (2016)
Frequently asked about South Carolina Federal Credit Union
How big is South Carolina Federal Credit Union?
At Q2 2026 it reported total assets of $2.59B and 157,780 members.
Where is South Carolina Federal Credit Union headquartered?
It is headquartered in North Charleston, SC, United States.
When was South Carolina Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is South Carolina Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1022): 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 South Carolina Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is South Carolina Federal Credit Union well capitalized?
Its net worth ratio was 13.34% 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 South Carolina Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.60% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is South Carolina Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.18% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- North Charleston, SC 29406
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1022
- RSSD ID
- 625476
- Members
- 157,780
- Potential members
- 2,148,858
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 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.34% | 10.89% | 81st top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.97% | 0.89% | 56th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.28% | 8.07% | 43rd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.25% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 80.55% | 70.59% | 16th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.55% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.60% | 0.68% | 59th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.80% | 5.12% | 30th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.18% | 88.03% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.59B total assets against $2.51B; $2.10B total shares and deposits against $2.00B; $1.96B total loans against $1.94B.
$345.1M net worth against $323.0M.
13.34% net worth ratio against 12.84%.
93.18% loan-to-share ratio against 96.77%.
0.60% delinquency ratio against 0.74%.
0.97% return on assets against 0.74%; 7.28% return on equity against 5.76%.
4.25% net interest margin against 4.25%.
157,780 members against 155,154.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.34% | 0.97% | 0.60% | 93.18% |
| March 31, 2026 | 13.18% | 0.99% | 0.47% | 92.86% |
| December 31, 2025 | 13.23% | 0.76% | 0.91% | 95.63% |
| September 30, 2025 | 13.05% | 1.06% | 0.92% | 95.68% |
| June 30, 2025 | 12.84% | 0.74% | 0.74% | 96.77% |
| March 31, 2025 | 12.60% | 0.58% | 0.54% | 96.11% |
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.