1st Cooperative
1st Cooperative is a credit union based in Cayce, South Carolina, established in 1970, with $22 million in total assets serving 2,488 members. By Trust Grade it ranks 44th of 46 credit unions we track in South Carolina. Its net worth ratio of 12.6% trails most similarly sized credit unions (38th percentile), versus a South Carolina median of 13.2%. It posted a loss over the most recent period (-5.41% return on assets), a point to watch. No consumer complaints against 1st Cooperative appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How 1st Cooperative compares to South Carolina peers
How we graded 1st Cooperative
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.6% capital ratio)
- Unprofitable over the period (ROA -5.41%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for 1st Cooperative over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at 1st Cooperative insured?
Yes. 1st Cooperative is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
1st Cooperative: frequently asked questions
Is 1st Cooperative a good credit union?
1st Cooperative earns a Bankzia Trust Grade of C (73/100, "Average"), based on a financial-strength score of 73/100 (it has no CFPB complaints on record). Strongly capitalized (12.6% capital ratio); Unprofitable over the period (ROA -5.41%).
Is 1st Cooperative NCUA-insured?
Yes. 1st Cooperative is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is 1st Cooperative?
1st Cooperative holds $22 million in total assets, ranking 44th of 46 credit unions we track in South Carolina. It serves 2,488 members.
Does 1st Cooperative have CFPB complaints?
No CFPB complaints against 1st Cooperative appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
