MID CAROLINA
State-Chartered • Lugoff, South Carolina • Est. 1961
Quick Facts
- Charter Number
- #60735
- Type
- State-Chartered
- Established
- 1961
- Headquarters
- Lugoff, South Carolina 29078
- Address
- PO Box 549
- Branches
- 5
- ATMs
- 3
- Members
- 14,029
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
14,029 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MID CAROLINA |
|---|---|
| Total Assets | $182.2M |
| Members | 14,029 |
| Loans Outstanding | $107.5M |
| Shares & Deposits | $161.0M |
| Net Worth | $22.3M |
| Net Worth Ratio | 12.22% |
| Loan-to-Share Ratio | 66.8% |
| Delinquency Rate | 0.70% |
| Net Income | +$1,936,631 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 3 ATMs
Camden
1015 Mill St
Camden, SC 29020
Invista
719 Highway 1 S
Lugoff, SC 29078
Elgin
2480 Main St
Elgin, SC 29045
Lugoff
Main Office841 Highway 1 S
Lugoff, SC 29078-9436
Sandhill
100 Forum Dr Ste 4
Columbia, SC 29229-7945
Who Can Join MID CAROLINA?
Membership Type: Community
Membership eligibility for MID CAROLINA may vary. Contact the credit union directly to confirm qualification requirements.
Contact MID CAROLINA directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in South Carolina
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View South Carolina RankingsFrequently Asked Questions
Yes. MID CAROLINA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MID CAROLINA has 14,029 members and a potential membership field of 430,000 people.
MID CAROLINA's net worth ratio is 12.22% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.2%, MID CAROLINA meets this threshold.
MID CAROLINA operates 5 branch locations and has access to 3 ATMs. The main office is located at 841 Highway 1 S, Lugoff, SC 29078-9436.
MID CAROLINA was established in 1961. It is a state-chartered credit union chartered under charter number 60735. The institution has been serving members for 65 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MID CAROLINA. All financial data is for informational purposes only.