RANKING ·
Lowest efficiency ratio in South Carolina
22 of 45 credit unions in South Carolina that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | S. C. State Federal Credit Union | Columbia, SC | 53.3% | $1.5 billion |
| 2 | Safe Federal Credit Union | Sumter, SC | 59.0% | $2.0 billion |
| 3 | Founders Federal Credit Union | Lancaster, SC | 59.7% | $5.2 billion |
| 4 | Allsouth Federal Credit Union | Columbia, SC | 62.0% | $1.5 billion |
| 5 | Palmetto Citizens Federal Credit Union | Columbia, SC | 65.3% | $1.5 billion |
| 6 | Srp Federal Credit Union | North Augusta, SC | 66.9% | $2.1 billion |
| 7 | Family Trust Federal Credit Union | Rock Hill, SC | 71.2% | $805 million |
| 8 | Georgetown Kraft Credit Union | Georgetown, SC | 72.1% | $192 million |
| 9 | Greenville Heritage Federal Credit Union | Greenville, SC | 73.4% | $181 million |
| 10 | Cpm Federal Credit Union | North Charlesto, SC | 75.5% | $759 million |
| 11 | Carolina Trust Federal Credit Union | Myrtle Beach, SC | 75.6% | $422 million |
| 12 | Greenville Federal Credit Union | Greenville, SC | 80.2% | $512 million |
| 13 | South Carolina Federal Credit Union | North Charlesto, SC | 80.5% | $2.6 billion |
| 14 | Spc Credit Union | Hartsville, SC | 81.8% | $266 million |
| 15 | Mid Carolina Credit Union | Lugoff, SC | 81.9% | $182 million |
| 16 | Spero Financial Federal Credit Union | Greenville, SC | 83.3% | $701 million |
| 17 | Upstate Federal Credit Union | Anderson, SC | 83.9% | $149 million |
| 18 | Mtc Federal Credit Union | Greenville, SC | 88.4% | $303 million |
| 19 | Rev Federal Credit Union | Charleston, SC | 88.7% | $1.2 billion |
| 20 | Carolina Foothills Federal Credit Union | Spartanburg, SC | 93.0% | $224 million |
| 21 | Caro Federal Credit Union | Columbia, SC | 93.6% | $175 million |
| 22 | Sharonview Federal Credit Union | Fort Mill, SC | 96.7% | $1.3 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings