State credit union · Lake Park, Georgia · NCUA charter #67403
Southern Pine
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $29.9M
- Total assets
- 1,232
- Members
- 21.7%
- Net-worth ratio
Southern Pine scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.9M; members 1,232; net-worth ratio 21.66%; health rank #3,144 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,144 of 4,374 health · 2025Q4Southern Pine · health 76/100 · $29.9M · 2025Q4
Call Report peers
Southern Pine in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Pine vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Pine sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Southern Pine
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.26 pp (76.06% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +0.45 pp (1.60% vs 1.15%).
Southern Pine in Georgia
- Health composite ranks #54 of 74 among scored Georgia credit unions.
- Georgia assets place: #41 of 74.
- Georgia membership ordinal: #57 of 74.
- One place up in Georgia, EXCEL (#53) scores 77/100, 1 point higher; one place down, Regional Members (#55) scores 75/100, 1 point lower.
Southern Pine: 2025Q4 → 2026Q1
Southern Pine: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $29.9M (2025Q4) to $29.8M (2026Q1).
- Net-worth ratio shifted +0.24 pp (21.42% → 21.66%).
At 21.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Southern Pine gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for Southern Pine
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.66% | +6.80 pp |
| Delinquency Rate | 1.60% | +0.45 pp |
| Return on Assets | 1.40% | +0.69 pp |
| Member Growth | -11.24% | - |
| Loan-to-Share Ratio | 76.06% | +16.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Southern Pine
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.8M | - |
| 2025Q4 | $29.9M | 1,232 |
| 2024Q4 | $31.2M | 1,388 |
| 2023Q4 | $33.9M | 1,427 |
Credit Union Details
- Charter Number
- 67403
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Lake Park
- Data Quarter
- 2025Q4
Branch Locations (2)
Southern Pine operates 2 offices in Valdosta, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | Valdosta, GA |
| Vital Records | Valdosta, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Southern Pine nationwide neighbourhoods
Using this data
- Southern Pine ranks #3,144 of 4,374 nationally on financial health and #54 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARTESIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARTESIAN
Frequently Asked Questions
Is Southern Pine financially healthy?
Southern Pine has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,144 of 4,374 nationally on health and #54 of 74 in Georgia. Its net worth ratio is 21.66% and its delinquency rate 1.60%.
How does Southern Pine compare to other credit unions?
Southern Pine scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.06% vs 59.80%). Its widest shortfall is delinquency rate (1.60% vs 1.15%).
How can I join Southern Pine?
Membership eligibility for Southern Pine depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southern Pine directly for current membership requirements and application steps.
Is my money safe at Southern Pine?
Southern Pine 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. Southern Pine's net worth ratio of 21.66% 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.