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The Southern
Fayetteville, GA · NCUA Charter #68638 · State charter, federally insured · Chartered 1963
Total assets
$560.17M
Shares & deposits
$499.11M
Total loans
$209.73M
Members
29,763
Net worth
$64.96M
Branches
11
Rank: #710 of 4,299 U.S. credit unions by assets · #12 of 71 in Georgia. Assets changed 2.2% and membership -3.4% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 11.60% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.07% |
| Loans to shares & deposits | 42.0% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $551.71M | $513.70M | $0 | $49.79M |
| Jun 2023 | $540.61M | $502.23M | $0 | $54.19M |
| Jun 2024 | $536.04M | $485.75M | $0 | $59.51M |
| Jun 2025 | $548.28M | $489.72M | $0 | $62.54M |
| Jun 2026 | $560.17M | $499.11M | $0 | $64.96M |
Branch footprint
| State | Branches |
|---|---|
| Georgia | 11 |
Similar-sized credit unions
Dutch Point ($565.38M) · Freedom Of Maryland ($557.40M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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