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.
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The Southern vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Southern sits in 80-84 with 767 others.
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
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).
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.
- One place up in Georgia, On the Grid Financial (#34) ties at 83/100; one place down, Faith Connection (#36) ties at 83/100.
The Southern: 2025Q4 → 2026Q1
The Southern: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $555.2M (2025Q4) to $564.3M (2026Q1).
- Net-worth ratio shifted -0.09 pp (11.48% → 11.39%).
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
The Southern gives up 17 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is The Southern financially healthy?
On its 2025Q4 NCUA 5300 filing, The Southern scores 83/100 (Excellent), with a 11.39% net worth ratio and 0.20% of loans delinquent. It ranks #2,291 of 4,374 nationally on health and #35 of 74 in Georgia.
How does The Southern compare to other credit unions?
The Southern scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.20% vs 0.87%). Its widest shortfall is loan-to-share ratio (43.69% vs 83.90%).
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?
The Southern 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. The Southern's net worth ratio of 11.39% 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.