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
Call Report peers
Midsouth Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Midsouth Community sits in 90-94 with 747 others.
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
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).
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.
- One place up in Georgia, The Wright (#24) ties at 90/100; one place down, Peach State (#26) scores 89/100, 1 point lower.
How Midsouth Community's 5300 filing moved
Midsouth Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $475.6M (2025Q4) to $481.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (14.14% → 14.15%).
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
Midsouth Community gives up 10 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Midsouth Community financially healthy?
Midsouth Community has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,076 of 4,374 nationally on health and #25 of 74 in Georgia. Its net worth ratio is 14.15% and its delinquency rate 1.22%.
How does Midsouth Community compare to other credit unions?
Midsouth Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.25% vs 72.20%). Its widest shortfall is delinquency rate (1.22% vs 0.89%).
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?
Midsouth Community is a federal 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. Midsouth Community's net worth ratio of 14.15% 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.