# PEE DEE
FLORENCE, SC · NCUA charter 22530 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pee-dee-22530

Who the members are: federal charter, community charter, organized 1976, low-income designated, minority depository institution. 4,714 members of 12,000 potential (39.3% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.1M |
| Members | 4,714 (0.1% YoY) |
| Full-time staff | 13 |
| Net worth | $10.1M |
| Net worth ratio | 24.6% (p86 of band) |
| ROA (annualized) | 1.02% (p70 of band) |
| Total delinquency | 0.41% (p41 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 59% (p52 of band) |
| Cash / assets | 22.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.48% (p73 of band) |
| Operating expense / assets | 4.88% (p77 of band) |
| Vehicles % of loans | 85% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.47% (p50 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 4% |
| Average share balance | $3,480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,047 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 2 | auto monoline | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 3 | charge-offs p90, members leaving |  |
| 2018-06 | 2 | delinquency rising | charge-offs p90, members leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 5 | members leaving | net worth falling |
| 2020-12 | 4 |  | delinquency rising |
| 2021-03 | 5 | net worth falling, charge-offs p90 | members leaving |
| 2021-06 | 4 |  | charge-offs p90 |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 4 | members leaving |  |
| 2022-03 | 3 | delinquency rising | margin squeeze, loan book shrinking |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | members leaving | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | members leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-09-14 [SC Federal to merge with its 3rd Florence credit union since 2017 - Post and Courier](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOdjA5UXVIZlFQSU1DSWtjcEluOW1GU2d5R2w3NjF4dHZsaHlyalNwelE0N2UwRDZiVVhXSk41WHFJQjZyY1g0VkIxd0ZqTnkxX0VSRHU3ejdVX2drU09ndjhHZ0J0clVxdGlURk96MTNkUGE2OW50bi1sSFRMYTNxT0ZYandBWXN1dmdUb0hkcGwxLV9Eb1hxVzJyZXdVZjVEUFd3Yy1EODJMQXhkZFA4VFhyMzVPTXFDRWI5SHczY3lUeTVCYThBYmdzNkV6NmhVM1pmYzRzSGNjUXRVOXJ2T3hjS2VjTzJpQlJn?oc=5) · Post and Courier
- 2026-02-21 [Benjamin Franklin "Benny" Moore Obituary (1935 - 2026) - Effingham, SC - Post and Courier - Pee Dee - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWnVoWnpHV2VyQjNzXzBaSUc2R3ZTNFI4cVpJcDlvbXhQa3ZyWndDdEtjR0dTMVYyQURTZjJNUnFYTmJMcUxNSWJTT1Q0ZExzbUstMXVKcnpWLVdSamdzRkMzM3FfSUN5YnRxNXpwbDAtV3FiLVpNSVdwOXo1eldHWW5zRWFuZHVrRy02SkZB?oc=5) · legacy.com
- 2025-12-05 [SPC Credit Union welcomes Allison Boulware as Vice President of Human Resources - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxNNzNGRjBWTUM1S0VYSXFoX081OUdNRnVzTGVTb3ktWU9ha0ZiY0ZLbDVXX1JSc0FiX283NnNVcHJFZ3lHS0N6dXNoV3NmNFhJZHE2a044Zzg2cXhFdzdrUFZ3RjRpWEZKcUJiSm1OaHc5cjdIcVB4b1N0SnhtZTlaUUZDeEZNSE9aVzdXY1MzZDVKdWVfTlozNVVqNS1pbDNXVkRmdlhaejVrY3hIXzR5aWJKNld4dFUtZUxDNQ?oc=5) · CUInsight
- 2024-07-12 [Howard C.C. Parnell, Sr. Obituary Jul 12, 2024 - smithfuneralhomesc.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5XckRiS3JTVkhqRXM0c3F1Ykh1M0RvOE54bmVtTTVEbWZoakFJdUlvRnN2WUowdHpEMmxYdVN6d0E0SXJkUmRubzdyZHBqX3FqaUpuQ21DOTRJd2JlTFRvc205a1gxU1lNYy0tX0VlWG0?oc=5) · smithfuneralhomesc.com
- 2021-03-23 [Joyce Edison "J.E." Cox Obituary Mar 23, 2021 - Stoudenmire-Dowling Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE9HWXNZYUpVaGNzbzg2WGl3MXAyYnBDRk4zZ3lBeUZMTUJrUEpZNFNxMU9XZkJlbkJQVHBxbFVWT0NIWnV4bllrMjdreU1fSnpnb0JtNVdTMGRhWFN5RjB3WmtuZlQtS0tEcGtzVFRsSQ?oc=5) · Stoudenmire-Dowling Funeral Home
- 2008-10-10 [Suspected robber accused of 2nd incident; another charged as accessory - WMBF](https://news.google.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?oc=5) · WMBF
- 2024-05-17 [L. Stephen Guyton Iii Obituary May 17, 2024 - wilkinsonfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9oc3pZWTRLbk03SndfZHV1Mzk2NE41UUxUNEpZT2p5ejdMekJIZURjZ05NUW1JS1Z6cE9HMzZFZTlPY01VS2w5OFFWRGJvTXpuX1RlcFg0NGM5aVA3Q29DV0poaDdkSjVUZUw4RkpR?oc=5) · wilkinsonfuneralhome.com
- 2020-10-27 [Teacher and principal of the year named for Florence 1 Schools - WPDE](https://news.google.com/rss/articles/CBMilAFBVV95cUxOTVhDVGdTUHBOM3F1dGZuUjB6d21RS1ZqQ3hkQVp4bmFaNlZTZV9WT2FBU2R4U19pa09Jb1JJWExONzB1ampYUXZVeWJqeUV4SHBlMVpYWkdYTl9kQ3BuQTNEQVdUR0tieFI3NUxobHhXZXBXWFo3eDlGNEpPT0Yta05YVjUyRlR0cnVqLTh4dGR0VFBD?oc=5) · WPDE

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22530 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "22530", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=22530
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide