TellerScore

Community South Credit Union (NCUA charter #67434) is based in Chipley, Florida. Its Q2 2026 call report shows $244.6M in total assets and $209.4M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Community South Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 52nd. Its strongest component is problem-loan coverage (89/100; 5.5%), and its lowest is earnings (48/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.05%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity73/100
Loans ÷ shares: 86.9% · 3.3% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (75 → 71), mostly because the loan quality component weakened by 24 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202471
Q4 202474
Q1 202571
Q2 202575
Q3 202574
Q4 202575
Q1 202677
Q2 202671
Net worth ratio
7.00%10.16%13.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.72%
Q3 202412.37%
Q4 202412.53%
Q1 202512.34%
Q2 202512.81%
Q3 202513.12%
Q4 202513.33%
Q1 202613.21%
Q2 202613.05%
Delinquent loans (60+ days)
0.19%0.57%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.50%
Q4 20240.30%
Q1 20250.19%
Q2 20250.23%
Q3 20250.58%
Q4 20250.58%
Q1 20260.48%
Q2 20260.96%
Return on assets
0.14%0.51%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.58%
Q4 20240.62%
Q1 20250.17%
Q2 20250.62%
Q3 20250.72%
Q4 20250.82%
Q1 20260.89%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$244.6M13.05%0.96%0.71%86.9%
Q1 202677$239.1M13.21%0.48%0.89%86.6%
Q4 202575$233.0M13.33%0.58%0.82%90.9%
Q3 202574$233.3M13.12%0.58%0.72%93.0%
Q2 202575$234.8M12.81%0.23%0.62%91.1%
Q1 202571$238.7M12.34%0.19%0.17%88.4%
Q4 202474$234.2M12.53%0.30%0.62%91.5%
Q3 202471$235.5M12.37%0.50%0.58%89.8%
Q2 202467$241.2M11.72%0.47%0.14%87.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.05%
70th
Problem loans0.96%
31st
Net charge-offs0.48%
36th
Return on assets0.71%
47th
Loans to deposits86.9%
24th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio5.5%
35th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Keys Federal Credit UnionCredit union Key West, FL62 out of 100, Moderate$253.2M11.0%0.88%vs
University Credit UnionCredit union Miami, FL71 out of 100, Strong$228.7M10.8%0.24%vs
Santa Rosa County Federal Credit UnionCredit union Milton, FL78 out of 100, Strong$223.0M13.6%1.18%vs
Gold Coast Federal Credit UnionCredit union Palm Springs, FL75 out of 100, Strong$269.8M11.9%0.43%vs
Alive Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$295.5M11.7%0.47%vs
Miami Firefighters Federal Credit UnionCredit union Miami, FL76 out of 100, Strong$189.2M12.5%0.39%vs

Deposit insurance

Is my money safe at Community South Credit Union?

Yes. Community South Credit Union is a federally insured credit union (NCUA charter #67434). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.3% of shares and deposits ($6.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Community South Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community South Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67434
RSSD ID
358091
Primary regulator
State + NCUA
Established
1991
Headquarters
PO Box 623, Chipley, FL 32428
Employees
59

Quick answers

Community South Credit Union: common questions

Is Community South Credit Union NCUA insured?

Yes. Community South Credit Union is a federally insured credit union (NCUA charter #67434). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Community South Credit Union's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Community South Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chipley

InstitutionScoreAssetsCapitalProblem loansCompare
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Panhandle Credit UnionCredit union Panama City, FL87 out of 100, Very strong$367.9M13.5%0.27%vs
Jackson County 1st Credit UnionCredit union Marianna, FL81 out of 100, Strong$48.9M18.1%0.76%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
PeoplesSouth BankBank Colquitt, GA69 out of 100, Moderate$1.2B10.4%1.02%vs
Innovations Financial Credit UnionCredit union Panama City, FL67 out of 100, Moderate$696.1M9.5%0.14%vs