SPC Credit Union Hartsville, South Carolina
SPC Credit Union is a state-chartered credit union headquartered in Hartsville, SC, established in 1961 (NCUA charter 60686), and it is regulated and insured by the NCUA. At Q2 2026 it reported 25,511 members and total assets of $265.8M (up 7.5% from Q2 2025), the 16th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 11.42% at Q2 2026, in the well capitalized band.
Also written as SPC 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
- 60686
- Headquarters
- Hartsville, SC
- Established
- 1961
- Total assets, Q2 2026
- $265.8M
- Assets vs Q2 2025
- +7.5%
- Members, Q2 2026
- 25,511
- Net worth ratio, Q2 2026
- 11.42%
- Latest call report
- Q2 2026, NCUA 5300 · SPC Credit Union call report
- Asset rank in state
- 16th of 45 in South Carolina
- Routing number
- 253279390
- Branches
- 7
It has 59 more members than on June 30, 2025 (+0.2%). Its net worth ratio was unchanged from June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $46.7M of $158.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.13% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.42% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in South Carolina
Frequently asked about SPC Credit Union
How big is SPC Credit Union?
At Q2 2026 it reported total assets of $265.8M and 25,511 members.
Where is SPC Credit Union headquartered?
It is headquartered in Hartsville, SC, United States.
When was SPC Credit Union founded?
It was established in 1961, per NCUA records.
Is SPC Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60686): 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 SPC 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 SPC Credit Union well capitalized?
Its net worth ratio was 11.42% 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 SPC Credit Union's delinquency ratio?
Its delinquency ratio was 1.13% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is SPC Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 67.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hartsville, SC 29550
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 60686
- RSSD ID
- 497990
- Members
- 25,511
- Potential members
- 279,606
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 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 13.58% | 11.42% | 11.43% | 50th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.46% | 0.81% | 26th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.99% | 7.02% | 26th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.78% | 3.70% | 55th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.75% | 76.55% | 31st below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.75% | 1.24% | 84th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.13% | 0.68% | 25th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.53% | 4.92% | 25th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 67.72% | 75.66% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$265.8M total assets against $247.1M; $234.3M total shares and deposits against $222.0M; $158.7M total loans against $154.7M.
$30.3M net worth against $28.3M.
11.42% net worth ratio against 11.42%.
67.72% loan-to-share ratio against 69.71%.
1.13% delinquency ratio against 1.40%.
0.46% return on assets against 0.62%; 3.99% return on equity against 5.39%.
3.78% net interest margin against 4.17%.
25,511 members against 25,452.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.42% | 0.46% | 1.13% | 67.72% |
| March 31, 2026 | 11.29% | 0.84% | 1.08% | 65.06% |
| December 31, 2025 | 11.61% | 1.39% | 1.32% | 70.32% |
| September 30, 2025 | 11.49% | 0.96% | 1.45% | 70.92% |
| June 30, 2025 | 11.42% | 0.62% | 1.40% | 69.71% |
| March 31, 2025 | 11.14% | 0.66% | 1.24% | 70.28% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.