Credit Union Safety Analysis
Is Trinity Baptist Church Federal Credit Union Safe? Florence, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Trinity Baptist Church Federal Credit Union has a net worth ratio of 16.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, 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, Trinity Baptist Church Federal Credit Union's net worth ratio is 16.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.83%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 1.44%
- Loan-to-share ratio (Q2 2026): 42.08%
Trinity Baptist Church Federal Credit Union (NCUA charter 19619, established 1969) reported $2.3M in assets and 196 members for Q2 2026 from Florence, South Carolina. It ranks 45 of 45 credit unions in South Carolina by total assets. Total assets fell 1.7% from $2.4M on June 30, 2025. It has 6 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 0.45 percentage points from 16.38% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $382K of $810K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below 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: 16.69% for Q1 2026; 16.38% 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: 0.19% for Q1 2026; 0.60% 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: 0.98% for Q1 2026; 1.43% 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: 43.60% for Q1 2026; 43.23% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $382K
- New vehicle loans: $225K
- Used vehicle loans: $183K
- Other unsecured loans and lines of credit: $20K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.3M | 16.83% | 0.20% | 1.44% | 42.08% |
| March 31, 2026 | $2.3M | 16.69% | 0.19% | 0.98% | 43.60% |
| December 31, 2025 | $2.3M | 16.57% | — | -12.90% | 43.49% |
| September 30, 2025 | $2.3M | 17.15% | — | 2.16% | 42.16% |
| June 30, 2025 | $2.4M | 16.38% | 0.60% | 1.43% | 43.23% |
| March 31, 2025 | $2.4M | 15.81% | — | 2.10% | 41.10% |
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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.
Trinity Baptist Church Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19619) · FFIEC NIC profile (RSSD 903080)
Frequently asked questions
Is Trinity Baptist Church Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Trinity Baptist Church Federal Credit Union's net worth ratio is 16.83%, above the 7% NCUA threshold for well capitalized.
Is Trinity Baptist Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Trinity Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter 19619): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Trinity Baptist Church Federal Credit Union's key safety ratios?
For Q2 2026, Trinity Baptist Church Federal Credit Union reports net worth 16.83%, delinquency 0.20%, ROA 1.44%, loan-to-share 42.08%.
What happens to my money if Trinity Baptist Church Federal Credit Union fails?
For Q2 2026, Trinity Baptist Church Federal Credit Union held $1.9M in shares and deposits for 196 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.