State credit union · Valdosta, Georgia · NCUA charter #68673
SOUTHEASTERN
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $417.5M
- Total assets
- 24,064
- Members
- 10.6%
- Net-worth ratio
SOUTHEASTERN scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $417.5M; members 24,064; net-worth ratio 10.61%; health rank #532 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#532 of 4,374 health · 2025Q4SOUTHEASTERN · health 94/100 · $417.5M · 2025Q4
- HEALTH 94/100
- NW 10.6%
- DELQ 0.07%
- ROA 0.86%
- ASSETS $417.5M
- MEM 24,064
- RANK #532/4,374
- PHOTO Denver Community Cu D.B.a. Zing Cu
- BOOK 68673
Call Report peers
SOUTHEASTERN in the assets neighbourhood
SOUTHEASTERN's $417.5M assets sit next to Denver Community Cu D.B.a. Zing Cu ($418.2M) 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.
SOUTHEASTERN 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
94 Top 13% higher than 87% 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
SOUTHEASTERN - Share Insurance Coverage
Charter #68673'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.
SOUTHEASTERN vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 86.22% here, 72.20% peer average (+14.02 pp).
- Net Worth Ratio trails the peer set - 10.61% here, 12.11% peer average (-1.50 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SOUTHEASTERN: in-state Call Report ranks
- Health composite ranks #15 of 74 among scored Georgia credit unions.
- By total assets, SOUTHEASTERN is #15 of 74 in Georgia.
- Membership ranks #16 of 74 among Georgia CUs with a reported count (24,064 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for SOUTHEASTERN
SOUTHEASTERN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $417.5M (2025Q4) to $436.7M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.80% → 10.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for SOUTHEASTERN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.61% | -1.50 pp |
| Delinquency Rate | 0.07% | -0.82 pp |
| Return on Assets | 0.86% | +0.24 pp |
| Member Growth | 0.15% | - |
| Loan-to-Share Ratio | 86.22% | +14.02 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $436.7M | - |
| 2025Q4 | $417.5M | 24,064 |
| 2024Q4 | $391.3M | 24,029 |
| 2023Q4 | $374.8M | 24,639 |
Credit Union Details
- Charter Number
- 68673
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Valdosta
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for SOUTHEASTERN, spread across 7 cities.
| Office | City |
|---|---|
| Headquarters and Main Branch (Main Office) | Valdosta, GA |
| Moody AFB Branch | Moody AFB, GA |
| Moultrie Branch | Moultrie, GA |
| Nashville Branch | Nashville, GA |
| Quitman Branch | Quitman, GA |
| Tifton Branch | Tifton, GA |
| Baytree Rd Branch | Valdosta, GA |
| Perimeter Rd Branch | Valdosta, GA |
| Waycross Branch | Waycross, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Other-state peers near SOUTHEASTERN
Cross-state asset and health neighbours for SOUTHEASTERN - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($417.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- SOUTHEASTERN ranks #532 of 4,374 nationally on financial health and #15 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEMBERSFIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEMBERSFIRST
- 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 SOUTHEASTERN financially healthy?
A 10.61% net worth ratio and a 0.07% delinquency rate feed into SOUTHEASTERN's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #532 of 4,374; by total assets it ranks #839 of 4,374 nationally (same basis as /rankings/largest); and #15 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SOUTHEASTERN compare to other credit unions?
SOUTHEASTERN scores 94/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 SOUTHEASTERN?
Membership eligibility for SOUTHEASTERN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SOUTHEASTERN directly for current membership requirements and application steps.
Is my money safe at SOUTHEASTERN?
Federal credit unions like SOUTHEASTERN 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. SOUTHEASTERN's net worth ratio of 10.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUTHEASTERN offer compared to banks?
Credit unions like SOUTHEASTERN 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 SOUTHEASTERN 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.