# S. C. STATE
Columbia, SC · NCUA charter 24824 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/s-c-state-24824

Who the members are: federal charter, multiple common bond, organized 1952. 93,521 members of 1,500,000 potential (6.2% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.46B |
| Members | 93,521 (3.3% YoY) |
| Full-time staff | 283 |
| Net worth | $221.2M |
| Net worth ratio | 15.2% (p93 of band) |
| ROA (annualized) | 2.05% (p99 of band) |
| Total delinquency | 0.80% (p69 of band) |
| Net charge-offs (annualized) | 1.04% (p86 of band) |
| Loans / shares | 70% (p15 of band) |
| Cash / assets | 8.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p94 of band) |
| Operating expense / assets | 3.28% (p54 of band) |
| Vehicles % of loans | 39% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.62% (p54 of band) |
| Vehicle NCO | 1.11% (p56 of band) |
| Repossessed % of vehicle book | 0.05% (p39 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 20% |
| Average share balance | $6,226 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,611 |
| Loans granted, annualized | $298.3M |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 | charge-offs p90 | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 3 | net worth falling |  |
| 2023-12 | 1 |  | charge-offs p90, net worth falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | charge-offs p90, assets shrinking | leaning on borrowings, delinquency rising |
| 2025-03 | 0 |  | charge-offs p90, assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - South Carolina - Newsweek Rankings](https://news.google.com/rss/articles/CBMilwFBVV95cUxORThLZ2prVXlTVEhOU18xRE1ERGxyaHZ6T0lsMnowalR6NVlWUGl3R3dIVUJ0Qk94UV9lcHJrMUdMNkEtUzFYZkNGZUZhUzZhd3BpcnY3LV9jUWVzOTBPalV5Y3Y1VUR1TkxTcjZKYWVfaXpCeDIwQ1hUdGlkbVZMWXZtZFpsWFZxMkxBQ25vb1ViYnhZOW9r?oc=5) · Newsweek Rankings
- 2018-01-31 [South Carolina Federal Credit Union - WCIV](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPcXZ0RnI4RVItRDFnZTREMldSRlVfZGR2Ym1aNnItMnJNc3lwMzlicTZlVVZEVFM5QkFvNkxuR1kzdzRqLWhUTk1ab1NFYVU2X1VWVFJQd0lKbnd0MHVudUFKcmxGcnV1TW13R291cl9WY0t4WmNVMHVHQThzekhmU0dpdFViYzJ6dm9Z?oc=5) · WCIV
- 2026-07-23 [North Charleston detectives make arrest in bank robbery - Live 5 News](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMGpPQ0VuWXBWME5QS05DYnhxeUN1ZURXcWdJYUJCVi02YVZCNUFxZDBMMktJMmpfdDVtMHJiZU5PLWlNZGdqc3VTNXNmNDAwaWdsN1Rla2Q0bm81T1VnR05jQk00NzJVM0p4M2ZrNUFBRlhzclVsTnF5RlMzc21kNm1ZU1VhMDdFTmdrZVJIQlZsdUIy0gGoAUFVX3lxTE9jSC1KczVoVm9yZ2ctaVdmUUxPVy1MNmY2Nzc5ZzhjWVFGWVlzMzZjNFBLOThtY2hVV0xoMFZWalpfZm9YanQxVDdBUmg4bVlJbU5JSDdBdEFPM2xQRWExWDBuTkk2OXVWYkk3M1NRRlBGaVRPVE5iMGd4UVA1UklKWGxQUXdJaGJfbDN1aGdCN3FuRU9YZGZmYmJ0ckNZVFdRYzNzNHh4bQ?oc=5) · Live 5 News
- 2021-01-15 [Spartanburg man arrested in bank robbery at SC State Credit Union on Camelot Drive - GoUpstate](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQMTRibUpKNzhUei0weUZkV1VSQ055RGVCWm10ZHI4VGJ1Y3Mta2hKWHl0NlJPQmpTX3hTQmZSV00yNnB3a2FBLWJ3NTB3MHBWdXNDNGxsSWtVb2hEaERwazlYYS1rNXpKYzhQdnY2SUtFRTAtSlc2OVpkaWJLSXlZc2ZSd3pRQ1MwRHM3Ykx1YmtrRnZoVjBVaWRiZmV2MG1DOEt2R2tHa0FDZTMtU0s0Z2RZeXQxQVVtTG5v?oc=5) · GoUpstate
- 2018-10-12 [Merger to cross Ga., S.C. state lines - American Banker](https://news.google.com/rss/articles/CBMiigFBVV95cUxOODhoLWpSejhFQ2I4U1Q0ZzI5OFl4SVhuLWh2VklQLTZOTkJpRDlGVzBtblpFU3VWYjRaMHhkMjRXdWdhU0ZjTUpfckdlZGdtd0N3ZVF5X0w2Y1kwU3lYV1lJcUtHY09EWm9JTlpqRy0zSy04LWpIMTdZNTJOa012SERzWDdxdTVaV0E?oc=5) · American Banker
- 2023-12-07 [Huger Street’s moment has arrived. Why this Columbia spot is prime for a development boom — finally - The State](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5BZFhhMGtkZlZobmw4R3pUZGNLanRObUViNlNwVjBNV0NWN3JFbzZ6aXhzVXNYNzRiaE9yNjc1M0xMOUZYYVpnYnIxYmRkUGROM1dfZzFHRFNJMkNNVno1M3hMOHdaQUNf0gFoQVVfeXFMT05VSk9nVV8xd2xONENJd2otbm1iRUlhbHlRUnJrOHNGdGprRkliX0lodWI1czBNN1BzaFBrMUxRUXBaYVp1RTgwczJzTUJIZTg2NjFtLWN4UERmTGFrTmJlM2FnSC1Hdnk?oc=5) · The State
- 2022-08-05 [Hilary Cope Obituary (2022) - Lexington, SC - The Aiken Standard - Post and Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUUxFR2dKZnZvdEdPN0J3RlB5MjNDWXpiRVpIRHNoNV80bzZUaVFkal83YVVhck55OU85UGw2VllMWTQ0TXJZZ3dTS1daUEdFbXk2SFFpMUtqYjFwazNaUW9sUzBtRGMzejNpcU5nRzdhbEdkcDVXMElZUEg3eHlTNGhNdXltY3hsa3Z5SUJ1M2FjT1pyN1FFelhkNkFPMUU?oc=5) · Post and Courier
- 2019-05-30 [Patricia "Pat" Odom Byrd Obituary May 30, 2019 - stoudenmiredowling.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5xZlBrejBuTHB4Smlzai1kMFlxMEVMcXlVUWVTUXRSdVkxV3R0amxndFlhWXN1cnBvR19QTE4wbFRjbEZzbzZvSXA0cmsxN1ZtalBuVUI4cElmVTlGWGdNc1ppSkRfcDUzdWlmQmZJU0M?oc=5) · stoudenmiredowling.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24824 (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/56.json (key "24824", 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=24824
- 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