Charter 60735 · Lugoff, SC
Mid Carolina Credit Union
Mid Carolina Credit Union is a state-chartered credit union in Lugoff, South Carolina, with $182 million in assets and 13,968 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.69%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $182 million
- +1.3% in a year
- Members
- 13,968
- -0.9% in a year
- Net worth ratio
- 12.69%
- Peer median 11.65%
- Loans 60+ days late
- 0.66%
- Peer median 0.70%
- Loans outstanding
- $109 million
- +3.8% in a year
- Shares and deposits
- $161 million
- -0.2% in a year
- Branches
- 5
- 52 employees
- Opened
- 1961
- South Carolina charter
How Mid Carolina Credit Union compares
NCUA groups credit unions by size; Mid Carolina Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.69% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.66%, is about the same as the group median of 0.70%. Loans grew 3.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 19 of 45 credit unions headquartered in South Carolina. See all South Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $182 million | 13,968 | $109 million | 12.69% | 0.66% |
| Q1 2026 | $178 million | 14,016 | $105 million | 12.82% | 0.63% |
| Q4 2025 | $182 million | 14,029 | $107 million | 12.22% | 0.70% |
| Q3 2025 | $180 million | 14,088 | $109 million | 12.26% | 0.42% |
| Q2 2025 | $180 million | 14,095 | $105 million | 12.10% | 0.45% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 430,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Mid Carolina Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Camden
1015 Mill St, Camden, SC 29020 - Invista
719 Highway 1 S, Lugoff, SC 29078 - Elgin
2480 Main St, Elgin, SC 29045 - Lugoff (main office)
841 Highway 1 S, Lugoff, SC 29078 - Sandhill
100 Forum Dr Ste 4, Columbia, SC 29229
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology