Midsouth Community Federal Credit Union Macon, Georgia
Midsouth Community Federal Credit Union is a federal credit union headquartered in Macon, GA, established in 1936 (NCUA charter 1410), and it is regulated and insured by the NCUA. At Q2 2026 it reported 44,103 members and total assets of $484.5M (up 2.3% from Q2 2025), the 13th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 14.30% at Q2 2026, in the well capitalized band.
Also written as Midsouth Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1410
- Headquarters
- Macon, GA
- Established
- 1936
- Total assets, Q2 2026
- $484.5M
- Assets vs Q2 2025
- +2.3%
- Members, Q2 2026
- 44,103
- Net worth ratio, Q2 2026
- 14.30%
- Latest call report
- Q2 2026, NCUA 5300 · Midsouth Community Federal Credit Union call report
- Asset rank in state
- 13th of 71 in Georgia
- Routing number
- 261171228
- Branches
- 10
It has 626 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 0.53 percentage points from 13.77% on June 30, 2025. Used vehicle loans are its largest loan category, $158.1M of $326.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.98% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.30% net worth ratio is above that band's 11.43% median.
Credit unions merged into Midsouth Community Federal Credit Union
Frequently asked about Midsouth Community Federal Credit Union
How big is Midsouth Community Federal Credit Union?
At Q2 2026 it reported total assets of $484.5M and 44,103 members.
Where is Midsouth Community Federal Credit Union headquartered?
It is headquartered in Macon, GA, United States.
When was Midsouth Community Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Midsouth Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1410): 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 Midsouth Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Midsouth Community Federal Credit Union well capitalized?
Its net worth ratio was 14.30% 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 Midsouth Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.98% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Midsouth Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Macon, GA 31210
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1410
- RSSD ID
- 380373
- Members
- 44,103
- Potential members
- 538,717
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 1 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% | 14.30% | 11.43% | 79th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.02% | 0.81% | 63rd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.13% | 7.02% | 51st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.07% | 3.70% | 73rd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 69.36% | 76.55% | 73rd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.07% | 1.24% | 63rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.98% | 0.68% | 33rd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.14% | 4.92% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 78.66% | 75.66% | 57th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$484.5M total assets against $473.5M; $415.1M total shares and deposits against $411.0M; $326.5M total loans against $328.1M.
$69.3M net worth against $65.2M.
14.30% net worth ratio against 13.77%.
78.66% loan-to-share ratio against 79.83%.
0.98% delinquency ratio against 0.69%.
1.02% return on assets against 1.59%; 7.13% return on equity against 11.52%.
4.07% net interest margin against 4.02%.
44,103 members against 43,477.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.30% | 1.02% | 0.98% | 78.66% |
| March 31, 2026 | 14.15% | 0.69% | 0.89% | 78.19% |
| December 31, 2025 | 14.14% | 0.72% | 1.22% | 80.25% |
| September 30, 2025 | 14.02% | 1.27% | 1.03% | 80.04% |
| June 30, 2025 | 13.77% | 1.59% | 0.69% | 79.83% |
| March 31, 2025 | 13.45% | 0.97% | 0.79% | 78.93% |
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.