Community South Credit Union Chipley, Florida
Community South Credit Union is a state-chartered credit union headquartered in Chipley, FL (NCUA charter 67434), and it is regulated and insured by the NCUA. At Q2 2026 it reported 15,108 members and total assets of $244.6M (up 4.2% from Q2 2025), the 50th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 13.05% at Q2 2026, in the well capitalized band.
Also written as Community South CU
BankRegReports is independent of Community South Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67434
- Headquarters
- Chipley, FL
- Established
- Not reported
- Total assets, Q2 2026
- $244.6M
- Assets vs Q2 2025
- +4.2%
- Members, Q2 2026
- 15,108
- Net worth ratio, Q2 2026
- 13.05%
- Latest call report
- Q2 2026, NCUA 5300 · Community South Credit Union call report
- Asset rank in state
- 50th of 106 in Florida
- Routing number
- 263277696
- Branches
- 4
It has 449 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.24 percentage points from 12.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $67.8M of $181.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.05% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Florida
Frequently asked about Community South Credit Union
How big is Community South Credit Union?
At Q2 2026 it reported total assets of $244.6M and 15,108 members.
Where is Community South Credit Union headquartered?
It is headquartered in Chipley, FL, United States.
Is Community South Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67434): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Community South Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Community South Credit Union well capitalized?
Its net worth ratio was 13.05% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Community South Credit Union's delinquency ratio?
Its delinquency ratio was 0.96% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Community South Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chipley, FL 32428
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67434
- RSSD ID
- 358091
- Members
- 15,108
- Potential members
- 678,568
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.05% | 11.43% | 69th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.55% | 0.81% | 33rd below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.20% | 7.02% | 28th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.82% | 3.70% | 58th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.34% | 76.55% | 40th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.40% | 1.24% | 37th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.96% | 0.68% | 34th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.22% | 4.92% | 67th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 86.86% | 75.66% | 76th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$244.6M total assets against $234.8M; $209.4M total shares and deposits against $203.5M; $181.9M total loans against $185.3M.
$31.9M net worth against $30.1M.
13.05% net worth ratio against 12.81%.
86.86% loan-to-share ratio against 91.05%.
0.96% delinquency ratio against 0.23%.
0.55% return on assets against 1.07%; 4.20% return on equity against 8.37%.
3.82% net interest margin against 3.69%.
15,108 members against 14,659.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.05% | 0.55% | 0.96% | 86.86% |
| March 31, 2026 | 13.21% | 0.89% | 0.48% | 86.61% |
| December 31, 2025 | 13.33% | 1.14% | 0.58% | 90.92% |
| September 30, 2025 | 13.12% | 0.89% | 0.58% | 92.95% |
| June 30, 2025 | 12.81% | 1.07% | 0.23% | 91.05% |
| March 31, 2025 | 12.34% | 0.17% | 0.19% | 88.45% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.