SRP Federal Credit Union North Augusta, South Carolina
SRP Federal Credit Union is a federal credit union headquartered in North Augusta, SC, established in 1960 (NCUA charter 24410), and it is regulated and insured by the NCUA. At Q2 2026 it reported 203,074 members and total assets of $2.09B (up 5.7% from Q2 2025), the 3rd largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 13.79% at Q2 2026, in the well capitalized band.
Also written as SRP 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
- 24410
- Headquarters
- North Augusta, SC
- Established
- 1960
- Total assets, Q2 2026
- $2.09B
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 203,074
- Net worth ratio, Q2 2026
- 13.79%
- Latest call report
- Q2 2026, NCUA 5300 · SRP Federal Credit Union call report
- Asset rank in state
- 3rd of 45 in South Carolina
- Routing number
- 253278090
- Branches
- 22
It has 4,489 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.54 percentage points from 13.25% on June 30, 2025. Commercial loans are its largest loan category, $450.2M of $1.45B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.79% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in South Carolina
Credit unions merged into SRP Federal Credit Union
Tabernacle Federal Credit Union (2022) · Augusta Vah Federal Credit Union (2019) · Richmond County Health Department Employees Credit Union (2017)
Frequently asked about SRP Federal Credit Union
How big is SRP Federal Credit Union?
At Q2 2026 it reported total assets of $2.09B and 203,074 members.
Where is SRP Federal Credit Union headquartered?
It is headquartered in North Augusta, SC, United States.
When was SRP Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is SRP Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24410): 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 SRP Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is SRP Federal Credit Union well capitalized?
Its net worth ratio was 13.79% 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 SRP Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.74% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is SRP Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.92% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- North Augusta, SC 29860
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 24410
- RSSD ID
- 437192
- Members
- 203,074
- Potential members
- 677,874
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 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.79% | 10.89% | 84th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.46% | 0.89% | 83rd top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.58% | 8.07% | 72nd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.65% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 66.93% | 70.59% | 62nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.92% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.74% | 0.68% | 46th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.57% | 5.12% | 80th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 81.92% | 88.03% | 34th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.09B total assets against $1.97B; $1.77B total shares and deposits against $1.68B; $1.45B total loans against $1.29B.
$287.8M net worth against $261.9M.
13.79% net worth ratio against 13.25%.
81.92% loan-to-share ratio against 76.71%.
0.74% delinquency ratio against 0.70%.
1.46% return on assets against 1.77%; 10.58% return on equity against 13.36%.
4.65% net interest margin against 4.65%.
203,074 members against 198,585.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.79% | 1.46% | 0.74% | 81.92% |
| March 31, 2026 | 13.49% | 1.22% | 1.17% | 80.35% |
| December 31, 2025 | 13.41% | 0.82% | 1.04% | 81.79% |
| September 30, 2025 | 13.71% | 1.92% | 0.78% | 83.01% |
| June 30, 2025 | 13.25% | 1.77% | 0.70% | 76.71% |
| March 31, 2025 | 12.88% | 1.22% | 0.68% | 74.85% |
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.