MIDSOUTH COMMUNITY Credit Union Profile

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MIDSOUTH COMMUNITY

Charter #1410 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (478) 471-9946

Fax: (478) 757-7989

Founding Date: N/A

Website: http://www.midsouthfcu.org

Personnel & Operations

President: Ethridge, Cecil

Manager: Bibb, Roy

FT Employees: 109

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 9

Hours: M-F 9:00 am - 5:15 pm Sat 9:00 - 1:00 pm

Credit Union Profile Summary

MIDSOUTH COMMUNITY is a FCU Credit Union. With a total of 43,477 members ^[1], this institution manages approximately $473,537,066 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.77% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.58% ^[1].

Financial Snapshot

Total Assets ^[1]

$473,537,066

Total economic resources.

Total Loans ^[1]

$328,112,682

Total value of outstanding loans.

Total Deposits ^[1]

$411,004,048

Total funds deposited by members.

Members ^[1]

43,477

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

13.77%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.30%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

79.83%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.07%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 5.58%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 2.32%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4810 Mercer University Dr

Macon, GA, 31210-5675

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by MIDSOUTH COMMUNITY (Charter #1410).

Main Office

Mercer Office Main Office

Type: Corporate Office

4810 Mercer University Dr

Macon, GA 31210-5675

Phone: (478) 471-9946

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Kathleen

HWY 96

Type: Branch Office

GA College & State University

Type: Branch Office

231 W Hancock St

Milledgeville, GA 31061

Phone: (478) 414-4225

Services: Member Services, ATM

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Milledgeville Office

Type: Branch Office

375 Hammock Rd NW

Milledgeville, GA 31061

Phone: (478) 452-0430

Services: Member Services, ATM, Drive-Thru

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Warner Robins

Russell

Type: Branch Office

302 Russell Pkwy

Warner Robins, GA 31088

Phone: (478) 471-9946

Services: Member Services, ATM, Drive-Thru

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Watson

Type: Branch Office

1869 Watson Blvd

Warner Robins, GA 31093

Phone: (478) 471-9946

Services: Member Services, ATM, Drive-Thru

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