Charter 1472 · Columbia, SC
Palmetto Citizens Federal Credit Union
Palmetto Citizens Federal Credit Union is a federally chartered credit union in Columbia, South Carolina, with $1.50 billion in assets and 87,082 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.48%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.50 billion
- +6.5% in a year
- Members
- 87,082
- +2.2% in a year
- Net worth ratio
- 13.48%
- Peer median 10.79%
- Loans 60+ days late
- 1.11%
- Peer median 0.67%
- Loans outstanding
- $830 million
- +4.2% in a year
- Shares and deposits
- $1.20 billion
- +7.0% in a year
- Branches
- 17
- 298 employees
- Opened
- 1936
- Federal charter
How Palmetto Citizens Federal Credit Union compares
NCUA groups credit unions by size; Palmetto Citizens Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.48% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.11%, is higher than the group median of 0.67%. Loans grew 4.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 6 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 | $1.50 billion | 87,082 | $830 million | 13.48% | 1.11% |
| Q1 2026 | $1.48 billion | 86,899 | $822 million | 13.21% | 1.04% |
| Q4 2025 | $1.44 billion | 86,171 | $818 million | 13.34% | 1.07% |
| Q3 2025 | $1.42 billion | 85,933 | $815 million | 13.14% | 0.96% |
| Q2 2025 | $1.41 billion | 85,184 | $797 million | 12.85% | 0.81% |
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 713,017 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 16 sites for Palmetto Citizens Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Palmetto Citizens FCU Administrative (main office)
1320 Washington St, Columbia, SC 29201 - Palmetto Citizens FCU - Millwood
3122 Millwood Ave, Columbia, SC 29205 - Palmetto Citizens FCU - Northeast
114 Atrium Way, Columbia, SC 29223 - Palmetto Citizens FCU - Irmo
7816 Broad River Rd, Irmo, SC 29063 - Palmetto Citizens FCU - Garners Ferry
7655 Garners Ferry Rd, Columbia, SC 29209 - Palmetto Citizens FCU - Lexington
919 N Lake Dr, Lexington, SC 29072 - Palmetto Citizens FCU - Beltline
2200 N Beltline Blvd, Columbia, SC 29204 - Palmetto Citizens FCU - Bush River
500 Bush River Rd, Columbia, SC 29210 - Palmetto Citizens FCU - Stadium
1000 Shop Rd, Columbia, SC 29201 - Palmetto Citizens FCU - West Columbia
2120 Sunset Blvd, West Columbia, SC 29169 - Palmetto Citizens FCU - SCESC
1550 Gadsden St, Columbia, SC 29201 - Palmetto Citizens FCU - Clemson
2651 Clemson Rd, Columbia, SC 29229 - Palmetto Citizens FCU - Red Bank
1835 S Lake Dr, Lexington, SC 29073 - Palmetto Citizens FCU - Blythewood
312 Blythewood Rd, Blythewood, SC 29016 - Palmetto Citizens FCU - Camden
2100 W Dekalb St, Camden, SC 29020 - Palmetto Citizens FCU - Whitmire
138 Main St, Whitmire, SC 29178
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