# SANTEE COOPER CREDIT UNION
MONCKS CORNER, SC · NCUA charter 60745 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santee-cooper-credit-union-60745

Who the members are: state charter, organized 1953. 7,152 members of 50,000 potential (14.3% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $92.9M |
| Members | 7,152 (2.2% YoY) |
| Full-time staff | 21 |
| Net worth | $14.1M |
| Net worth ratio | 15.2% (p71 of band) |
| ROA (annualized) | 1.30% (p79 of band) |
| Total delinquency | 0.69% (p54 of band) |
| Net charge-offs (annualized) | 0.20% (p45 of band) |
| Loans / shares | 80% (p83 of band) |
| Cash / assets | 29.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.33% (p84 of band) |
| Operating expense / assets | 4.01% (p66 of band) |
| Vehicles % of loans | 73% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.61% (p53 of band) |
| Vehicle NCO | 0.21% (p50 of band) |
| Repossessed % of vehicle book | 0.08% (p83 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 27% |
| Average share balance | $5,793 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $14,305 |
| Loans granted, annualized | $32.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | auto monoline |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | members leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, delinquency rising |  |
| 2020-09 | 1 |  | members leaving, net worth falling, delinquency rising |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 2 | margin squeeze |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | delinquency 2x band, assets shrinking | delinquency rising |
| 2023-12 | 1 |  | delinquency 2x band, assets shrinking |
| 2024-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2022-03-27 [Chad Schmoll Obituary (2012) - Charleston - Post and Courier](https://news.google.com/rss/articles/CBMinAFBVV95cUxPcmtmcG9YMFFmcVRiMGIyU2hvMVd3bVNrN0RuUjlNWTJybDR5QUtpM1FJU1hoQ0VPbkNfcWprRVNRcExoOGw5NTVKOTNCYS05UmozT2NIelM5ejBsczhaZ2liZENJNWt2dnNUQ3BNUzk1UnhQOTRjZV9lRzVJVEhPUWZSVUV5QXR2bGJsUkJxdHNQYk5xTmJxRHJWR0E?oc=5) · Post and Courier
- 2026-04-17 [Brigadier General (Ret.) James E. Mace, Sr. Obituary Apr 14, 2026 - obits.jhenrystuhr.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBJYzIwSHFnUE9Gc0c5WWYybzNWek1jVExKbUhfN2pTSXBxQ0VtV0EtYWRIemRsSHdaWVFIRE9vUjFIdGpPTE0zdFo4cTQzQmt6ZE56cmthSEI0dThvWXNfSjl5ZHZTQVJD?oc=5) · obits.jhenrystuhr.com
- 2022-01-14 [Holiday Closings for Martin Luther King Jr Day - myrtlebeachonline.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOHB2TE1yQl8yUXVvQVlNTGNHbFdrd0ZqM2hUbTd3SWFhbjAyVlZ3Y2xLVFBvUlEzeWdvbWNvdVFSdC1GMEZ3Rm5uWWg1N3hLUlRTZmxhc0lXbktEcHRORWNqZ3pCVDdtY3Z3ZlptTFJKNFpqcEREUWwyMDFOdEppNENn0gGCAUFVX3lxTFBsZjBRQTZySm1GNnVySXF2OGo2eERhRW80Uk53bHBQb1JEU3FuQWtGZEFjZlNqM3VKblVOZ3ZoV0NzWU9lM0RtenZmS3VseWhyWlluRm5hSWNDUXdLNXdNbGpjdXY1NDIza1FQRFVlMy1uZlpqeHJkaElfak1VaUZlTFE?oc=5) · myrtlebeachonline.com
- 2015-02-26 [Berkeley Co. Family Riding High Off Recent Family Feud Win - The Berkeley Observer](https://news.google.com/rss/articles/CBMinwFBVV95cUxNU2hWOEhTUHd6NFFnMnY1SDloR0NxUkxLY2hOSTF1TzUxYlpnYm9fbHRiQkUwbFVUaDczY2phWmRuQUMtWVp3RElkN2taUHdMWlZmVHNsZmdac215ZDNxdS15akhaYjlic29aZWdyY3ZsNTRDOFhDYkJJdnhhaG5rT1dLWVA0QnNHa09xeXVHbGs0V1VFRzZnZVFyaGV3MlU?oc=5) · The Berkeley Observer
- 2025-01-05 [Leadership Berkeley class completes service project; 2025 applications open - Post and Courier](https://news.google.com/rss/articles/CBMimwJBVV95cUxOb2gtMDhOeW5QY2ZfMnNTQk1CQUFnYUF5bzRLdEozWVp1YXRiSXZoWjBqUWVuSVVJQWtwaFVSOXpoMUJneV9CRVpRUmhnX1FtVnBWWTRvVnRqY1o5WkF5Tno4WDJhWEZMenV3ajl3YktUeWlyR21ENmtnWl9qMTAzczduX0ZuMDk4OEZ0czZTdVlTakN3YWhCSFNGSklBNXZWUVN2U243UnI0bzd3b0dIM1VuRm4yQXQ4TndxWDZMV1JuUVhWWTJGUVZ5RWp4azJHVFVLOEJnUDgyYWpZZnEwNmFSdzRoVlNod1pJM2JLOGxkQ2tGMVBOTkZoZ0J1MlNGWmNwdERYUmhqSzgxbWMwb2NOTkZCTVhHbEsw?oc=5) · Post and Courier
- 2015-07-01 [HOLIDAY CLOSINGS - myrtlebeachonline.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE1mZXNSN283UkI4ME9DYzdFbVFHckItekFQWHI3MFZGeEpTazhtVzhtd1pLYmhWQldadjZkVkg1MzZoTWM3d21zbGFkN25MeDFFUk1RMlhkUGd1TzFMMEdBQ1A0LW9ldFlaUTJ4NU9oYTExWVHSAXNBVV95cUxNZTgwdzEyOW9tX0JrSXBpY3pxOGg1WnRzVTVISlViSUkyTmc5TmNjMS14V0hCRGZDTEhZbXpZOHRFamZNSGJjT1VWU2ktM3ZYMThhZlVBMURtYW80S1dGallTS2pIZnRfc1gwb0RlZUZaVGZZ?oc=5) · myrtlebeachonline.com
- 2019-07-29 [SC memos and distinctions - Post and Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNV2E3OEdVVVN0anBkeTFHbzFpMTI1bjdZV0pXcHFlczdVblRJMzRmNm10eU9lS1lQUW5uajF3ZGJFMDhQTVZURUFLVzhIWVJxdTdSdFdUbWR4WU42Zi05bllCVHgxcko5bmVSa2NhaXFzZGNiOFZEdGtHVVVYYzRLelBraU1RRmhnclRWZ0V6R3A5U2ZfdXduWjZvZG9uZGhzVGlhbWljVUszUQ?oc=5) · Post and Courier
- 2018-05-22 [Hugh Wilbur Obituary (1943 - 2018) - Myrtle Beach, SC - Concord Monitor - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaU5ydW8xaVN1djdVbVZidVZEN3NqS2dDQU15aHE2MWM3eC0wbTBuSlJ5SUhROUt4bGZyTm13aE9CemtLc3hNV1RSWklIMGttMHI0Tlh5SE5XbGEzZzN6MUt4YmJKQTB3MzZjVXNpWWl5SWtOd2RtRXg5Zl91UVlCY2ZtZHhSSzZ4TzBaeWpMeHQtOGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60745 (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/9.json (key "60745", 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=60745
- 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