MID CAROLINA Credit Union Profile

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MID CAROLINA

Charter #60735 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (803) 432-8521

Fax: (803) 425-1936

Founding Date: N/A

Website: http://www.midcarolinacu.com

Personnel & Operations

President: Arledge, Dennis

Manager: Scarborough, Dean

FT Employees: 46

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: 8:30 - 5:00 m-th 8:30 - 6:00 friday

Credit Union Profile Summary

MID CAROLINA is a FISCU Credit Union. With a total of 14,095 members [1], this institution manages approximately $179,514,833 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.1% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.68% [1].

Financial Snapshot

Total Assets [1]
$179,514,833

Total economic resources.

Total Loans [1]
$105,230,225

Total value of outstanding loans.

Total Deposits [1]
$161,012,646

Total funds deposited by members.

Members [1]
14,095

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.1%

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]
0.71%

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

Loan-to-Share Ratio [1]
65.36%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
6.64%

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

Loan Growth (4Q) [1]
1.68%

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

Member Growth (4Q) [1]
-1.07%

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

Headquarters Location & Map

Headquarters Address

841 Highway 1 S

Lugoff, SC, 29078-9436

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by MID CAROLINA (Charter #60735).

Main Office

Lugoff Main Office

Type: Corporate Office

841 Highway 1 S

Lugoff, SC 29078-9436

Phone: (803) 432-8521

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Blythewood

Blythewood

Type: Branch Office

10350 Wilson Blvd

Blythewood, SC 29016

Phone: (803) 432-8521

Services: Member Services, Drive-Thru

Open in Directions

Camden

Camden

Type: Branch Office

1015 Mill St

Camden, SC 29020

Phone: (803) 432-8521

Services: Member Services, ATM, Drive-Thru

Open in Directions

Elgin

Elgin

Type: Branch Office

2480 Main St

Elgin, SC 29045

Phone: (803) 432-8521

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lugoff

Invista

Type: Branch Office

719 Highway 1 S

Lugoff, SC 29078

Phone: (803) 432-8521

Services: None specified

Open in Directions