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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#93 of 4,374 health · 2025Q4Community South · health 98/100 · $233.0M · 2025Q4
- ASSETS 98/100
- MEM 13.2%
- RANK 0.58%
- PHOTO 0.63%
- BOOK $233.0M
- CHARTER 15,150
- NCUSIF #93/4,374
- CAMELS AMERICHOICE
- HEALTH 67434
Call Report peers
Community South in the assets neighbourhood
Community South's $233.0M assets sit next to AMERICHOICE ($233.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #67434's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Community South's 5300 filing moved
Community South: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $233.0M (2025Q4) to $239.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (13.33% → 13.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Community South - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($233.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Community South financially healthy?
Yes/no aside, the number is 98/100 (Excellent) - Community South's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #93 of 4,374; by total assets it ranks #1,188 of 4,374 nationally (same basis as /rankings/largest); and #52 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.21% net worth ratio and 0.58% delinquency rate are the key drivers.
How does Community South compare to other credit unions?
Five weighted metrics from NCUA filings produce Community South's 98/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Community South are 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."
What rates does Community South offer compared to banks?
Credit unions like Community South are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Community South directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.