Credit union · NCUA insured
1st Cooperative Federal Credit Union
A $22M credit union headquartered in Cayce, SC, with 2,488 members and 1 branch in South Carolina. Best rates: CDs 4.50% and savings 0.10% APY.
1st Cooperative Federal Credit Union Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#24 of 27 in Columbia, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Cooperative Federal Credit Union
- Headquarters
- 808 Knox Abbott Dr, Cayce, SC 29033-3318
- NCUA charter
- 24627
Branches
1 branch in South Carolina
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South Carolina
1 branch
- MainMain office808 Knox Abbott Dr, Cayce, SC 29033Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.61% | 14.28% | 19.18% or more |
| Troubled loans60+ days late | 0.50% | 0.65% | 0.14% or less |
| ProfitabilityReturn on assets | -5.49% | 0.61% | 1.17% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio12.61%Peers’ middle 14.28% · Top 25% 19.18%+
- Troubled loans60+ days late0.50%Peers’ middle 0.65% · Top 25% ≤0.14%
- ProfitabilityReturn on assets-5.49%Peers’ middle 0.61% · Top 25% 1.17%+
- LendingLoans per $100 deposited$77Peers’ middle $59
Compared with the 2,508 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Cooperative Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.