State credit union · Chipley, Florida · NCUA charter #67434
Community South
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $233.0M
- Total assets
- 15,150
- Members
- 13.2%
- Net-worth ratio
Community South scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $233.0M; members 15,150; net-worth ratio 13.21%; health rank #93 of 4,374; healthier than 97th of scored peers.
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NCUA 5300 Call Report Masthead
#93 of 4,374 health · 2025Q4Community South · health 98/100 · $233.0M · 2025Q4
Call Report peers
Community South in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Community South vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Community South sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Community South: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.72 pp (90.92% vs 72.20%).
Florida standing for Community South
- In Florida, health place is #3 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, Community South is #52 of 109 in Florida.
- Florida membership ordinal: #51 of 109.
- One place up in Florida, Achieva Credit Union (#2) scores 100/100, 2 points higher; one place down, Miami Firefighters (#4) ties at 98/100.
How Community South's 5300 filing moved
Community South: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $233.0M (2025Q4) to $239.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (13.33% → 13.21%).
13.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Community South gives up 2 points in total. Member Growth costs the most, 0.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.21% | +1.10 pp |
| Delinquency Rate | 0.58% | -0.31 pp |
| Return on Assets | 0.63% | +0.00 pp |
| Member Growth | 4.32% | - |
| Loan-to-Share Ratio | 90.92% | +18.72 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Community South quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $239.1M | - |
| 2025Q4 | $233.0M | 15,150 |
| 2024Q4 | $234.2M | 14,522 |
| 2023Q4 | $228.7M | 14,330 |
Credit Union Details
- Charter Number
- 67434
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Chipley
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Community South runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Chipley-Main (Main Office) | Chipley, FL |
| Bonifay Branch | Bonifay, FL |
| Chipley Operations | Chipley, FL |
| Defuniak Branch | Defuniak Springs, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for Community South
Using this data
- Community South ranks #93 of 4,374 nationally on financial health and #3 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNIVERSITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNIVERSITY
Frequently Asked Questions
Is Community South financially healthy?
On its 2025Q4 NCUA 5300 filing, Community South scores 98/100 (Excellent), with a 13.21% net worth ratio and 0.58% of loans delinquent. It ranks #93 of 4,374 nationally on health and #3 of 109 in Florida.
How does Community South compare to other credit unions?
Community South scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.92% vs 72.20%).
How can I join Community South?
Membership eligibility for Community South depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community South directly for current membership requirements and application steps.
Is my money safe at Community South?
Community South is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Community South's net worth ratio of 13.21% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.