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South Carolina Credit Union Performance
How the 46 credit unions based in South Carolina are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
South Carolina's 46 credit unions serve 1,714,366 members and hold $24.58B in combined assets. The median South Carolina credit union earned a 0.88% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among South Carolina credit unions was 1.05%, compared with -0.55% nationally. Median one-year asset growth was 2.40%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
South Carolina at a glance
South Carolina vs. the United States
System totals are the sum of every credit union in South Carolina. The share column is South Carolina's portion of the national figure.
| Measure | South Carolina | United States | South Carolina share |
|---|---|---|---|
| Credit unions | 46 | 4,335 | 1.1% |
| Members | 1,714,366 | 147,031,529 | 1.2% |
| Residents (population) | 5,478,831 | 340,110,988 | 1.6% |
| Total assets | $24.58B | $2,507.50B | 1.0% |
| Total loans | $17.01B | $1,744.86B | 1.0% |
| Total shares & deposits | $20.74B | $2,143.21B | 1.0% |
| Total net worth | $3.20B | $282.23B | 1.1% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. South Carolina credit unions report about 31 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large South Carolina credit unions serve members in other states, so it overstates true in-state penetration.)
The median South Carolina credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median South Carolina CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.88% | 0.66% |
| Net worth ratio | 13.25% | 12.44% |
| Loan-to-share ratio | 69.70% | 67.86% |
| Delinquency ratio | 0.69% | 0.63% |
| Net charge-off ratio | 0.54% | 0.33% |
| Cost of funds | 0.80% | 1.05% |
| Member growth (1 yr) | 1.05% | -0.55% |
| Asset growth (1 yr) | 2.40% | 2.78% |
| Loan growth (1 yr) | 1.86% | 0.63% |
| Share growth (1 yr) | 2.28% | 2.36% |
| Net worth growth (1 yr) | 6.57% | 5.57% |
Trends over time
The median South Carolina credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.87% · 0.72%
— South Carolina ‑‑ U.S. (1 year not shown)
Net worth ratio 13.39% · 12.46%
— South Carolina ‑‑ U.S.
Loan-to-share ratio 74.13% · 69.70%
— South Carolina ‑‑ U.S.
Delinquency ratio 0.89% · 0.72%
— South Carolina ‑‑ U.S.
Asset growth (1 yr) 3.55% · 3.26%
— South Carolina ‑‑ U.S. (1 year not shown)
Member growth (1 yr) -0.04% · -0.52%
— South Carolina ‑‑ U.S. (1 year not shown)
South Carolina leaderboards
Largest by assets
- 1 Founders Credit Union $5.18B
- 2 South Carolina Credit Union $2.57B
- 3 SRP Credit Union $2.08B
- 4 SAFE Credit Union $1.95B
- 5 AllSouth Credit Union $1.51B
- 6 Palmetto Citizens Credit Union $1.48B
- 7 SC State Credit Union $1.46B
- 8 Sharonview Credit Union $1.35B
- 9 Heritage Trust Credit Union $1.21B
- 10 Family Trust Credit Union $804.3M
Highest return on assets
- 1 Carolina Foothills Credit Union 3.13%
- 2 Scarng Credit Union 2.25%
- 3 SC State Credit Union 2.10%
- 4 Palmetto First Federal Credit Union 1.92%
- 5 Nucor Employee's Credit Union 1.66%
- 6 AllSouth Credit Union 1.54%
- 7 Santee Cooper Credit Union 1.39%
- 8 Palmetto Citizens Credit Union 1.37%
- 9 Founders Credit Union 1.33%
- 10 Georgetown Kraft Credit Union 1.28%
Fastest-growing (organic)
- 1 Santee Cooper Credit Union 14.57%
- 2 Upstate Credit Union 9.88%
- 3 Michelin Tire Corporation Credit Union 9.27%
- 4 CPM Credit Union 8.72%
- 5 Carolina Foothills Credit Union 7.75%
- 6 Greenville Credit Union 6.95%
- 7 Nucor Employee's Credit Union 6.48%
- 8 SPC Credit Union 6.48%
- 9 AllSouth Credit Union 6.40%
- 10 Palmetto Citizens Credit Union 6.20%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in South Carolina
37 at the end of 2016, 15 at the end of 2025.
Median net worth ratio 16.69% against 12.83% for credit unions at or above the line. Median one-year member growth -0.32% against 2.23%.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in South Carolina that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.