Midsouth Community Federal Credit Union (NCUA charter #1410) is based in Macon, Georgia. Its Q2 2026 call report shows $484.5M in total assets and $415.1M in member shares and deposits and 4 offices.
Based on its Q2 2026 filing, Midsouth Community Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 25th. Its strongest component is capital cushion (93/100; 14.30%), and its lowest is earnings (54/100; 0.85%).
TellerScore · Q2 2026
Scorecard
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 (81 → 77), mostly because the earnings component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 81 |
| Q3 2025 | 79 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 77 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.15% |
| Q3 2024 | 13.13% |
| Q4 2024 | 13.53% |
| Q1 2025 | 13.45% |
| Q2 2025 | 13.77% |
| Q3 2025 | 14.02% |
| Q4 2025 | 14.14% |
| Q1 2026 | 14.15% |
| Q2 2026 | 14.30% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.69% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.22% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.98% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.13% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.13% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $484.5M | 14.30% | 0.98% | 0.85% | 78.7% |
| Q1 2026 | 76 | $481.0M | 14.15% | 0.89% | 0.69% | 78.2% |
| Q4 2025 | 76 | $475.6M | 14.14% | 1.22% | 1.13% | 80.3% |
| Q3 2025 | 79 | $472.8M | 14.02% | 1.03% | 1.27% | 80.0% |
| Q2 2025 | 81 | $473.5M | 13.77% | 0.69% | 1.28% | 79.8% |
| Q1 2025 | 77 | $469.9M | 13.45% | 0.79% | 0.97% | 78.9% |
| Q4 2024 | 76 | $458.6M | 13.53% | 0.99% | 1.13% | 79.9% |
| Q3 2024 | 77 | $462.9M | 13.13% | 0.81% | 1.13% | 78.3% |
| Q2 2024 | 77 | $455.0M | 13.15% | 0.88% | 1.16% | 78.1% |
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).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southeastern Credit UnionCredit union Valdosta, GA | 73 out of 100, Strong | $440.7M | 10.8% | 0.41% | vs |
| Membersfirst Credit UnionCredit union Decatur, GA | 76 out of 100, Strong | $429.0M | 11.7% | 0.20% | vs |
| Cdc Federal Credit UnionCredit union Atlanta, GA | 57 out of 100, Moderate | $414.4M | 9.6% | 0.71% | vs |
| Platinum Federal Credit UnionCredit union Duluth, GA | 75 out of 100, Strong | $412.6M | 10.3% | 0.29% | vs |
| Interstate Credit UnionCredit union Jesup, GA | 89 out of 100, Very strong | $410.9M | 15.8% | 0.54% | vs |
| The Southern Credit UnionCredit union Fayetteville, GA | 76 out of 100, Strong | $560.2M | 11.6% | 0.10% | vs |
Deposit insurance
Is my money safe at Midsouth Community Federal Credit Union?
Yes. Midsouth Community Federal Credit Union is a federally insured credit union (NCUA charter #1410). 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 6.4% of shares and deposits ($26.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.30%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Midsouth Community Federal Credit Union lists 4 offices in 2 cities. Most locations:
- Macon, GA (3)
- Milledgeville, GA (1)
Identity & history
Profile
- Legal name
- Midsouth Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1410
- RSSD ID
- 380373
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 4810 Mercer University Dr, Macon, GA 31210
- Employees
- 119
Quick answers
Midsouth Community Federal Credit Union: common questions
Is Midsouth Community Federal Credit Union NCUA insured?
Yes. Midsouth Community Federal Credit Union is a federally insured credit union (NCUA charter #1410). 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 Midsouth Community Federal Credit Union's TellerScore?
77 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 Midsouth Community Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Macon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |