COMMUNITY SOUTH Credit Union Profile

Showing details for COMMUNITY SOUTH Credit Union.

Home > FL > COMMUNITY SOUTH

COMMUNITY SOUTH

Charter #67434 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (850) 638-8376

Fax: (850) 638-4055

Founding Date: N/A

Website: http://www.communitysouth.net

Personnel & Operations

President: Carter, Ira

Manager: Page, Jan

FT Employees: 55

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: 7:00-4:30- Monday-Thursday 7:00-5:30- Frid

Credit Union Profile Summary

COMMUNITY SOUTH is a FISCU Credit Union. With a total of 14,659 members [1], this institution manages approximately $234,844,323 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.81% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.22% [1].

Financial Snapshot

Total Assets [1]
$234,844,323

Total economic resources.

Total Loans [1]
$185,255,620

Total value of outstanding loans.

Total Deposits [1]
$203,463,010

Total funds deposited by members.

Members [1]
14,659

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.81%

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]
0.62%

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

Loan-to-Share Ratio [1]
91.05%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -2.65%

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

Loan Growth (4Q) [1]
↓ -0.22%

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

Member Growth (4Q) [1]
↓ -0.55%

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

Headquarters Location & Map

Headquarters Address

1044 Highway 90

Chipley, FL, 32428
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 4 branches reported by COMMUNITY SOUTH (Charter #67434).

Main Office

Chipley-Main Main Office

Type: Corporate Office

1044 Highway 90

Chipley, FL 32428

Phone: (850) 638-8376

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Bonifay

Bonifay Branch

Type: Branch Office

1720 S Waukesha St

Bonifay, FL 32425

Phone: (850) 547-2260

Services: Member Services, ATM, Drive-Thru

Open in Directions

Chipley

Chipley Operations

Type: Branch Office

1447 Main St

Chipley, FL 32428

Phone: (850) 638-8376

Services: Member Services

Open in Directions

Defuniak Springs

Defuniak Branch

Type: Branch Office

775 US Highway 331 S

Defuniak Springs, FL 32435

Phone: (850) 920-6500

Services: Member Services, ATM, Drive-Thru

Open in Directions