State credit union · Fayetteville, Georgia · NCUA charter #68638
The Southern
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $555.2M
- Total assets
- 30,153
- Members
- 11.4%
- Net-worth ratio
The Southern scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $555.2M; members 30,153; net-worth ratio 11.39%; health rank #2,291 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,291 of 4,374 health · 2025Q4The Southern · health 83/100 · $555.2M · 2025Q4
- BOOK 83/100
- CHARTER 11.4%
- NCUSIF 0.20%
- CAMELS 0.67%
- HEALTH $555.2M
- NW 30,153
- DELQ #2,291/4,374
- ROA HEARTLAND
- ASSETS 68638
The Southern in the assets neighbourhood
The Southern's $555.2M assets sit next to HEARTLAND ($554.8M) 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.
The Southern 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
83 46th percentile higher than 46% 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
The Southern - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68638 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where The Southern diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.68 pp (0.20% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 43.69% vs peer 83.90% (-40.21 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia standing for The Southern
- Georgia health ordinal: #35 of 74.
- By total assets, The Southern is #12 of 74 in Georgia.
- Georgia membership ordinal: #14 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.
The Southern: 2025Q4 → 2026Q1
The Southern: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $555.2M (2025Q4) to $564.3M (2026Q1).
- Net-worth ratio shifted -0.09 pp (11.48% → 11.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 9.9 pts
The Southern vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.39% | +0.21 pp |
| Delinquency Rate | 0.20% | -0.68 pp |
| Return on Assets | 0.67% | +0.17 pp |
| Member Growth | -3.28% | - |
| Loan-to-Share Ratio | 43.69% | -40.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
The Southern filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $564.3M | - |
| 2025Q4 | $555.2M | 30,153 |
| 2024Q4 | $533.9M | 31,176 |
| 2023Q4 | $527.5M | 31,985 |
Credit Union Details
- Charter Number
- 68638
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- Fayetteville
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for The Southern, spread across 11 cities.
| Office | City |
|---|---|
| Fayetteville (Main Office) | Fayetteville, GA |
| Regional Office | College Park, GA |
| Griffin | Griffin, GA |
| Hampton | Hampton, GA |
| Mt Zion | Jonesboro, GA |
| LaGrange | LaGrange, GA |
| McDonough | McDonough, GA |
| Newnan | Newnan, GA |
| Peachtree City | Peachtree City, GA |
| Sharpsburg | Sharpsburg, GA |
| Kia | West Point, 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.
The Southern nationwide neighbourhoods
Cross-state asset and health neighbours for The Southern - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($555.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- The Southern ranks #2,291 of 4,374 nationally on financial health and #35 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KINETIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KINETIC
- 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 The Southern financially healthy?
A 11.39% net worth ratio and a 0.20% delinquency rate feed into The Southern's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,291 of 4,374; by total assets it ranks #711 of 4,374 nationally (same basis as /rankings/largest); and #12 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does The Southern compare to other credit unions?
Five weighted metrics from NCUA filings produce The Southern's 83/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 The Southern?
Membership eligibility for The Southern depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Southern directly for current membership requirements and application steps.
Is my money safe at The Southern?
Federal credit unions like The Southern 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. The Southern's net worth ratio of 11.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Southern offer compared to banks?
Credit unions like The Southern 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 The Southern 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.