TellerScore

The Southern Credit Union (NCUA charter #68638) is based in Fayetteville, Georgia. Its Q2 2026 call report shows $560.2M in total assets and $499.1M in member shares and deposits and 11 offices.

The Southern Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 27th. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 6% uninsured); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.60%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity100/100
Loans ÷ shares: 42.0% · 6.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.33%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202479
Q4 202478
Q1 202575
Q2 202576
Q3 202577
Q4 202575
Q1 202675
Q2 202676
Net worth ratio
7.00%9.30%11.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.10%
Q3 202411.35%
Q4 202411.46%
Q1 202511.20%
Q2 202511.41%
Q3 202511.52%
Q4 202511.48%
Q1 202611.39%
Q2 202611.60%
Delinquent loans (60+ days)
0.07%0.13%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.07%
Q4 20240.10%
Q1 20250.14%
Q2 20250.08%
Q3 20250.10%
Q4 20250.20%
Q1 20260.10%
Q2 20260.10%
Return on assets
0.36%0.58%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.80%
Q4 20240.70%
Q1 20250.46%
Q2 20250.49%
Q3 20250.53%
Q4 20250.48%
Q1 20260.36%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$560.2M11.60%0.10%0.43%42.0%
Q1 202675$564.3M11.39%0.10%0.36%41.7%
Q4 202575$555.2M11.48%0.20%0.48%43.7%
Q3 202577$550.2M11.52%0.10%0.53%43.9%
Q2 202576$548.3M11.41%0.08%0.49%44.3%
Q1 202575$551.8M11.20%0.14%0.46%43.5%
Q4 202478$533.9M11.46%0.10%0.70%45.2%
Q3 202479$535.1M11.35%0.07%0.80%45.6%
Q2 202477$536.0M11.10%0.08%0.73%45.4%

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 ratio11.60%
52nd
Problem loans0.10%
95th
Net charge-offs0.15%
77th
Return on assets0.43%
25th
Loans to deposits42.0%
95th
Uninsured deposits6.3%
46th
Loan-loss reserves0.00%
50th
Texas ratio0.3%
97th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Midsouth Community Federal Credit UnionCredit union Macon, GA77 out of 100, Strong$484.5M14.3%0.98%vs
Kinetic Federal Credit UnionCredit union Columbus, GA66 out of 100, Moderate$664.6M14.1%1.55%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs
Cdc Federal Credit UnionCredit union Atlanta, GA57 out of 100, Moderate$414.4M9.6%0.71%vs
Platinum Federal Credit UnionCredit union Duluth, GA75 out of 100, Strong$412.6M10.3%0.29%vs

Deposit insurance

Is my money safe at The Southern Credit Union?

Yes. The Southern Credit Union is a federally insured credit union (NCUA charter #68638). 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 6.3% of shares and deposits ($31.4M) 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 11.60%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

The Southern Credit Union lists 11 offices in 11 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Southern Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68638
RSSD ID
396187
Primary regulator
State + NCUA
Established
1963
Headquarters
PO Box 1509, Fayetteville, GA 30214
Employees
79

Quick answers

The Southern Credit Union: common questions

Is The Southern Credit Union NCUA insured?

Yes. The Southern Credit Union is a federally insured credit union (NCUA charter #68638). 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 The Southern Credit Union's TellerScore?

76 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 The Southern Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fayetteville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Coweta Cities & County Employees Federal Credit UnionCredit union Newnan, GA96 out of 100, Very strong$28.1M20.4%0.00%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs