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
- ROA 76/100
- ASSETS 21.7%
- MEM 1.60%
- RANK 1.40%
- PHOTO $29.9M
- BOOK 1,232
- CHARTER #3,144/4,374
- NCUSIF Blue Flame
- CAMELS 67403
Call Report peers
Southern Pine in the assets neighbourhood
Southern Pine's $29.9M assets sit next to Blue Flame ($29.9M) 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.
Southern Pine 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
76 26th percentile higher than 26% 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
Southern Pine - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67403: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southern Pine: 2025Q4 → 2026Q1
Southern Pine: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $29.9M (2025Q4) to $29.8M (2026Q1).
- Net-worth ratio shifted +0.24 pp (21.42% → 21.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Southern Pine - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 Southern Pine financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Southern Pine carries a financial health score of 76/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,144 of 4,374; by total assets it ranks #2,853 of 4,374 nationally (same basis as /rankings/largest); and #41 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.66% net worth ratio and a 1.60% delinquency rate.
How does Southern Pine compare to other credit unions?
On PlainCU's health composite, Southern Pine lands at 76/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Southern Pine 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. Southern Pine's net worth ratio of 21.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Pine offer compared to banks?
Credit unions like Southern Pine 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 Southern Pine 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.