Southern Pine Credit Union (NCUA charter #67403) is based in Lake Park, Georgia. Its Q2 2026 call report shows $27.6M in total assets and $20.9M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Southern Pine Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 19th. Its strongest component is capital cushion (100/100; 23.71%), and its lowest is earnings (58/100; 0.95%).
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 10 points (92 → 82), mostly because the loan quality component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 73 |
| Q4 2024 | 90 |
| Q1 2025 | 94 |
| Q2 2025 | 92 |
| Q3 2025 | 97 |
| Q4 2025 | 83 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.95% |
| Q3 2024 | 13.68% |
| Q4 2024 | 13.99% |
| Q1 2025 | 14.40% |
| Q2 2025 | 15.19% |
| Q3 2025 | 21.10% |
| Q4 2025 | 21.42% |
| Q1 2026 | 21.66% |
| Q2 2026 | 23.71% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 1.58% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.02% |
| Q4 2025 | 1.60% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.31% |
| Q3 2025 | 8.71% |
| Q4 2025 | 6.81% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $27.6M | 23.71% | 0.79% | 0.95% | 77.0% |
| Q1 2026 | 81 | $29.8M | 21.66% | 0.77% | 0.77% | 73.5% |
| Q4 2025 | 83 | $29.9M | 21.42% | 1.60% | 6.81% | 76.1% |
| Q3 2025 | 97 | $30.0M | 21.10% | 0.02% | 8.71% | 76.4% |
| Q2 2025 | 92 | $30.1M | 15.19% | 0.06% | 1.31% | 71.5% |
| Q1 2025 | 94 | $31.2M | 14.40% | 0.00% | 1.62% | 68.7% |
| Q4 2024 | 90 | $31.2M | 13.99% | 0.05% | 1.34% | 69.5% |
| Q3 2024 | 73 | $30.9M | 13.68% | 1.58% | 1.20% | 73.0% |
| Q2 2024 | 75 | $32.1M | 12.95% | 1.26% | 1.28% | 70.2% |
2,479 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Coweta Cities & County Employees Federal Credit UnionCredit union Newnan, GA | 96 out of 100, Very strong | $28.1M | 20.4% | 0.00% | vs |
| Artesian Federal Credit UnionCredit union Leesburg, GA | 48 out of 100, Below average | $29.1M | 10.3% | 1.55% | vs |
| Savannah Postal Credit UnionCredit union Savannah, GA | 60 out of 100, Moderate | $24.6M | 15.1% | 5.80% | vs |
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |
| Glynn County Federal Employees Credit UnionCredit union Brunswick, GA | 62 out of 100, Moderate | $23.0M | 19.2% | 2.54% | vs |
| Georgia Power Valdosta Federal Credit UnionCredit union Valdosta, GA | 84 out of 100, Strong | $22.9M | 15.2% | 0.69% | vs |
Deposit insurance
Is my money safe at Southern Pine Credit Union?
Yes. Southern Pine Credit Union is a federally insured credit union (NCUA charter #67403). 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 0.1% of shares and deposits ($12K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 23.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Southern Pine Credit Union lists 2 offices in 1 city. Most locations:
- Valdosta, GA (2)
Identity & history
Profile
- Legal name
- Southern Pine Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67403
- RSSD ID
- 285197
- Primary regulator
- State + NCUA
- Established
- 1991
- Headquarters
- P. O. Box 1029, Lake Park, GA 31636
- Employees
- 6
Quick answers
Southern Pine Credit Union: common questions
Is Southern Pine Credit Union NCUA insured?
Yes. Southern Pine Credit Union is a federally insured credit union (NCUA charter #67403). 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 Southern Pine Credit Union's TellerScore?
82 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 Southern Pine Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lake Park
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Suwannee River Federal Credit UnionCredit union Live Oak, FL | 83 out of 100, Strong | $25.7M | 12.1% | 0.03% | vs |
| The Citizens National Bank of QuitmanBank Quitman, GA | 81 out of 100, Strong | $133.7M | 11.6% | 0.21% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |
| Southeastern Credit UnionCredit union Valdosta, GA | 73 out of 100, Strong | $440.7M | 10.8% | 0.41% | vs |