# SPC
HARTSVILLE, SC · NCUA charter 60686 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spc-60686

Who the members are: state charter, organized 1949, low-income designated. 25,924 members of 279,606 potential (9.3% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $266.2M |
| Members | 25,924 (2.6% YoY) |
| Full-time staff | 77 |
| Net worth | $30.0M |
| Net worth ratio | 11.3% (p51 of band) |
| ROA (annualized) | 0.84% (p61 of band) |
| Total delinquency | 1.08% (p82 of band) |
| Net charge-offs (annualized) | 0.66% (p75 of band) |
| Loans / shares | 65% (p31 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p60 of band) |
| Operating expense / assets | 4.65% (p87 of band) |
| Vehicles % of loans | 35% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 96% (p55 of band) |
| Vehicle delinquency | 2.54% (p97 of band) |
| Vehicle NCO | 0.98% (p68 of band) |
| Repossessed % of vehicle book | 0.86% (p98 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 101% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 17% |
| Average share balance | $4,040 |
| Participations bought / yr | $1.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $18.6M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,724 |
| Loans granted, annualized | $37.4M |

## Participation posture (from the same filings)

Bought $1.0M and sold $0 in the latest annualized quarter; $18.6M outstanding purchased (62.1% of net worth), $1.8M sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | thin capital |  |
| 2017-06 | 2 | delinquency rising | thin capital |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | thin capital | expense trap |
| 2018-06 | 0 |  | thin capital |
| 2018-09 | 1 | expense trap |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | 3rd-party paper>100% NW |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 5 | margin squeeze, delinquency rising |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | thin capital | delinquency rising |
| 2021-06 | 5 |  |  |
| 2021-09 | 3 |  | net worth falling, margin squeeze |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | expense trap |
| 2022-09 | 3 | expense trap |  |
| 2022-12 | 3 | delinquency rising | thin capital |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | repo signal |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | delinquency 2x band, delinquency rising | repo signal |
| 2024-06 | 5 | repo signal |  |
| 2024-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 4 | delinquency 2x band |  |
| 2025-03 | 5 | charge-offs p90 |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 2 |  | 3rd-party paper>100% NW, delinquency 2x band, charge-offs p90 |
| 2026-03 | 1 |  | expense trap |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 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
- 2026-07-02 [Achieva Credit Union Presents Historic $1 Million Gift to SPC - St. Petersburg College](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQU0FtVkhSZXFoTmczdVFWWVVuclBiR1NJcHZncUpvd2NaUHdkYXB1d1dRSk1LeWpZdUdPaTBiMG4tQ3N6c2RXaTExODFPMDdfYUw1d1Z5b1lZR3htTHdFNVBYS1ZfaTc2c0VOQ0d2Q1ZlMzl3azN2TFRyWjIxWi1zQ1VVNk9UWlFXeDNTb1U2cnM4akdvdXB0ZVRuYTV3Nmo3eWZpaXNiYTNGdlc4V3JFUHJRUlZWSGtu?oc=5) · St. Petersburg College
- 2025-08-04 [SPC Credit Union names Meghan Godwin as Associate Vice President of Marketing & Community Development - CUInsight](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNRldqRDZ4NFhCdXFJdXg2REtPM2NUWlNBUmlJVWtXa3ZvVXotVEhfV1VwcE1mUmE2WlVIei1kMU14bTRSbkVPakx3TnFuTUpvaGF1X3VBaXZaN3Q5Mnd1eDZyemNtdjRNMXZ3U3BIT2s0ZGVDeUxZbWc4U0QxRDlJVWU1YVgwY3d4ZFBweEpFQldFYnh0S1lDRlNERW90MndsSzZQd2c1cEJpUml6WWwwLWRuQVEyZFI0MEZUT1Z1YURoc1lEbFJTSEhyWVlfaEhVeXpXSFFicw?oc=5) · CUInsight
- 2025-09-18 [An Evening of Hope Cancer Benefit - McLeod Health](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZjZnMFZoMVBjSm9NZ1lHckdxbXJEMUhJVmdrQkFVeHo0QWpWelNjU3VoVGxuT24tZDFFRWRTd0t5R1gyaXNkclN1NDRTc3pjc3RwdGQ1RmhPSmVwSDRFajhJTnZ0V2NHdEExaFpRem4xRGl5ODA2S2ZtWXFwdVctMEdmd21kSDg?oc=5) · McLeod Health
- 2025-12-31 [Peggy Dennis Lloyd Obituary (2025) - Hartsville, SC - Norton Funeral Home and Crematory - Hartsville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBPRVp3aW5RQkp6TF82Y2RCeGlERmVsdnR3alY1MFptUmR3RzR5YXhjaklOamM2eHVYZ21DZVFlaS1VSkx4T3VtdGNfUUhlRmVHbHpWdjlxZTRueUZtdEIxWmt0RWdoZmptbWROVWhLVVJBajNxTTh3WmtwQkdQeFk?oc=5) · legacy.com
- 2025-06-18 [SPC Cares Foundation supports United Way of Greater Hartsville’s roof repair initiative - CUInsight](https://news.google.com/rss/articles/CBMixgFBVV95cUxOS01IVmcyM29zeDFOa1hSdnZYVTdNWUdCaERjS3dUMi0tdmJYUlZiclF5QTNCcl9DM0NMQXZzQWdGTXZ4ekNiWW83ODdpWWxZYWR6VGk2NVdqeEhQam9kOEkzeS12dXMwQUF3OG5lMlVkVzRQLW1lRVhtMkpZQlR2Q3FOQldVZGxKcWJaTFhzZnl4SFdacjI1aXZ5T2J6cUNSdlJ2d2FmQU8tRXloS3ctR0w4YVVaN2FuUHl3MzlZQWJYS19JTHc?oc=5) · CUInsight
- 2017-07-18 [Bennett Johnson Obituary (2017) - Hartsville, SC - The State - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUDg2Z0xqcmN1dGs2NnQ4WDhRMl9yNU04bkNSaXNuTVU0TnhQR3NMblIxV2cwNDhreGsyWkZHam8xR2tTak1mNUk4SHpHelZ2TE5FVVVIUWFhc2NvT01iN2hHb1ZtWnotU192M0ZnLWlwWVB5b2NVbDB5cVVkS3IzME5TeEpydjA3OUJ4VDI2WmU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60686 (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/14.json (key "60686", 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=60686
- 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