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
Call Report peers
SOUTHEASTERN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SOUTHEASTERN sits in 90-94 with 747 others.
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 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).
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).
- One place up in Georgia, Robins Financial (#14) ties at 94/100; one place down, Ware County School Employees (#16) scores 93/100, 1 point lower.
Quarter path for SOUTHEASTERN
SOUTHEASTERN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $417.5M (2025Q4) to $436.7M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.80% → 10.61%).
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
SOUTHEASTERN gives up 6 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is SOUTHEASTERN financially healthy?
On its 2025Q4 NCUA 5300 filing, SOUTHEASTERN scores 94/100 (Excellent), with a 10.61% net worth ratio and 0.07% of loans delinquent. It ranks #532 of 4,374 nationally on health and #15 of 74 in Georgia.
How does SOUTHEASTERN compare to other credit unions?
SOUTHEASTERN scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.22% vs 72.20%). Its widest shortfall is net worth ratio (10.61% vs 12.11%).
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?
SOUTHEASTERN 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. SOUTHEASTERN's net worth ratio of 10.61% 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.