THE SOUTHERN Credit Union Profile

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THE SOUTHERN

Charter #68638 | NCUA Region 2 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 338-5882

Fax: (770) 460-3240

Founding Date: N/A

Website: http://www.southernonline.org

Personnel & Operations

President: Kelly, Morris

Manager: Hull, Ray

FT Employees: 75

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 11

Hours: Lobby: Monday-Friday 8:30AM-4:30 PM Drive T

Credit Union Profile Summary

THE SOUTHERN is a FISCU Credit Union. With a total of 30,823 members ^[1], this institution manages approximately $548,284,426 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.41% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.72% ^[1].

Financial Snapshot

Total Assets ^[1]

$548,284,426

Total economic resources.

Total Loans ^[1]

$216,939,926

Total value of outstanding loans.

Total Deposits ^[1]

$489,722,540

Total funds deposited by members.

Members ^[1]

30,823

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.41%

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]

0.50%

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

Loan-to-Share Ratio ^[1]

44.30%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.28%

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

Loan Growth (4Q) ^[1]

↓ -1.72%

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

Member Growth (4Q) ^[1]

↓ -2.72%

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

Headquarters Location & Map

Headquarters Address

430 Lanier Ave E

Fayetteville, GA, 30214

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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 THE SOUTHERN (Charter #68638).

Main Office

Fayetteville Main Office

Type: Corporate Office

430 Lanier Ave E

Fayetteville, GA 30214

Phone: (800) 338-5882

Services: Member Services, ATM, Drive-Thru

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Additional Branches

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Jonesboro

Mt Zion

Type: Branch Office

Kia

Type: Branch Office

7777 Kia Pkwy

West Point, GA 31833-4897

Phone: (770) 719-1111

Services: Member Services, ATM

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