Z — UnclassifiedEIN: 576020340· Ruling Year: 1968

Spc Credit Union

Hartsville, South Carolina

B+Health Score
68B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.26×
Peer Median5.86×
💰
$15.8M
Total Revenue
📊
$14.2M
Total Expenses
🏦
$17.8M
Net Assets
📋
$221.5M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+16.2%
Year-over-year change (2022 → 2023)
Net Margin
+10.0%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.26
Net assets divided by total expenses
Liabilities-to-Assets
92.6%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$15,750,567↑16%$14,168,156↑22%$239,331,326↓2%
2022$13,550,656↑10%$11,601,765↑4%$243,239,953↑5%
2021$12,295,768↑4%$11,162,816↑5%$231,524,692↑11%
2020$11,834,754↑1%$10,680,783↑6%$207,674,821↑26%
2019$11,666,247↑12%$10,088,717↑11%$164,592,799↑3%
2018$10,397,338↑10%$9,079,396↑3%$160,522,294↑2%
2017$9,434,038↑4%$8,791,817$158,134,943↑5%
2016$9,087,478↑3%$8,788,749↑4%$151,079,504↑4%
2015$8,858,356↑7%$8,431,121↑5%$144,661,279↑8%
2014$8,263,881↓2%$8,001,526↑1%$133,607,014↑6%
2013$8,422,695↓1%$7,953,294$126,086,116↑4%
2012$8,485,266↑3%$7,943,258↑1%$121,793,977↑5%
2011$8,217,815$7,879,804$116,466,517

Frequently Asked Questions

What does Spc Credit Union do?▼

Spc Credit Union is a unclassified nonprofit organization based in South Carolina. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Spc Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Spc Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Spc Credit Union generate?▼

Spc Credit Union reports $18.3M in annual revenue and holds $254.5M in total assets, based on IRS filings.

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