PALMETTO CITIZENS Credit Union Profile

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PALMETTO CITIZENS

Charter #1472 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (803) 779-1232

Fax: (803) 376-2674

Founding Date: N/A

Website: http://www.palmettocitizens.org

Personnel & Operations

President: Hamm, Steve

Manager: Dozier, Robert

FT Employees: 279

PT Employees: 19

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 16

Hours: 9:00 - 5:00 Mon-Thur 9:00 - 6:00 Fri

Credit Union Profile Summary

PALMETTO CITIZENS is a FCU Credit Union. With a total of 85,184 members ^[1], this institution manages approximately $1,405,677,772 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.85% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.61% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,405,677,772

Total economic resources.

Total Loans ^[1]

$796,509,446

Total value of outstanding loans.

Total Deposits ^[1]

$1,119,048,857

Total funds deposited by members.

Members ^[1]

85,184

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.85%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.31%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

71.18%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 7.77%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 4.61%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.49%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1320 Washington St

Columbia, SC, 29201-3382

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 15 branches reported by PALMETTO CITIZENS (Charter #1472).

Main Office

Palmetto Citizens FCU Administrative Main Office

Type: Corporate Office

1320 Washington St

Columbia, SC 29201-3382

Phone: (803) 779-1232

Services: Member Services, ATM, Drive-Thru

PALMETTO CITIZENS Credit Union Profile