Federal credit union · Macon, Georgia · NCUA charter #1410
Midsouth Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $475.6M
- Total assets
- 43,552
- Members
- 14.1%
- Net-worth ratio
Midsouth Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $475.6M; members 43,552; net-worth ratio 14.15%; health rank #1,076 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,076 of 4,374 health · 2025Q4Midsouth Community · health 90/100 · $475.6M · 2025Q4
- HEALTH 90/100
- NW 14.1%
- DELQ 1.22%
- ROA 1.09%
- ASSETS $475.6M
- MEM 43,552
- RANK #1,076/4,374
- PHOTO Maui County
- BOOK 1410
Call Report peers
Midsouth Community in the assets neighbourhood
Midsouth Community's $475.6M assets sit next to Maui County ($475.5M) 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.
Midsouth Community 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
90 Top 27% higher than 73% 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
Midsouth Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1410, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Midsouth Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 80.25% vs peer 72.20% (+8.05 pp).
- Largest lag: Delinquency Rate at 1.22% vs peer 0.89% (+0.33 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Midsouth Community sits in Georgia
- Georgia health ordinal: #25 of 74.
- By total assets, Midsouth Community is #13 of 74 in Georgia.
- Georgia membership ordinal: #11 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Midsouth Community's 5300 filing moved
Midsouth Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $475.6M (2025Q4) to $481.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (14.14% → 14.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Midsouth Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.15% | +2.04 pp |
| Delinquency Rate | 1.22% | +0.33 pp |
| Return on Assets | 1.09% | +0.46 pp |
| Member Growth | 1.91% | - |
| Loan-to-Share Ratio | 80.25% | +8.05 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).
Midsouth Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $481.0M | - |
| 2025Q4 | $475.6M | 43,552 |
| 2024Q4 | $458.6M | 42,737 |
| 2023Q4 | $430.2M | 41,562 |
Credit Union Details
- Charter Number
- 1410
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Macon
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, Midsouth Community runs 10 offices in 5 different cities.
| Office | City |
|---|---|
| Mercer Office (Main Office) | Macon, GA |
| HWY 96 | Kathleen, GA |
| Lasseter Office | Macon, GA |
| Hartley Bridge Office | Macon, GA |
| BASS | MACON, GA |
| Hutchings College & Career Academy | Macon, GA |
| Operations Office | Macon, GA |
| Milledgeville Office | Milledgeville, GA |
| Watson | Warner Robins, GA |
| Russell | Warner Robins, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Midsouth Community
Cross-state asset and health neighbours for Midsouth Community - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($475.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Midsouth Community ranks #1,076 of 4,374 nationally on financial health and #25 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CDC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CDC
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 Midsouth Community financially healthy?
Midsouth Community scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,076 of 4,374; by total assets it ranks #776 of 4,374 nationally (same basis as /rankings/largest); and #13 of 74 within Georgia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.15% net worth ratio and a 1.22% delinquency rate.
How does Midsouth Community compare to other credit unions?
PlainCU's health composite puts Midsouth Community at 90/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Midsouth Community?
Midsouth Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Midsouth Community directly for the exact boundaries and application steps.
Is my money safe at Midsouth Community?
Federal credit unions like Midsouth Community 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. Midsouth Community's net worth ratio of 14.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midsouth Community offer compared to banks?
Credit unions like Midsouth Community 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 Midsouth Community 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.