Credit Union Safety Analysis
Is The Southern Credit Union Safe? Fayetteville, Georgia
Based on its Q2 2026 NCUA 5300 call report, The Southern Credit Union has a net worth ratio of 11.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.10%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, The Southern Credit Union's net worth ratio is 11.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.60%
- Delinquency ratio (60+ days) (Q2 2026): 0.10%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 42.02%
The Southern Credit Union (NCUA charter 68638, established 1963) reported $560.2M in assets and 29,763 members for Q2 2026 from Fayetteville, Georgia. It ranks 12 of 71 credit unions in Georgia by total assets. Total assets grew 2.2% from $548.3M on June 30, 2025. It has 1,060 fewer members than on June 30, 2025 (-3.4%). Its net worth ratio was up 0.19 percentage points from 11.41% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $86.6M of $209.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.10% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.39% for Q1 2026; 11.41% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.10% for Q1 2026; 0.08% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.36% for Q1 2026; 0.53% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 41.72% for Q1 2026; 44.30% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $86.6M
- Used vehicle loans: $53.2M
- New vehicle loans: $42.7M
- Other secured non-real estate loans and lines of credit: $9.9M
- Unsecured credit card loans: $9.0M
- Other unsecured loans and lines of credit: $8.2M
- Commercial loans: $141K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $560.2M | 11.60% | 0.10% | 0.50% | 42.02% |
| March 31, 2026 | $564.3M | 11.39% | 0.10% | 0.36% | 41.72% |
| December 31, 2025 | $555.2M | 11.48% | 0.20% | 0.34% | 43.69% |
| September 30, 2025 | $550.2M | 11.52% | 0.10% | 0.60% | 43.88% |
| June 30, 2025 | $548.3M | 11.41% | 0.08% | 0.53% | 44.30% |
| March 31, 2025 | $551.8M | 11.20% | 0.14% | 0.46% | 43.53% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
The Southern Credit Union profile
Regulator records: NCUA credit union profile (charter 68638) · FFIEC NIC profile (RSSD 396187)
Frequently asked questions
Is The Southern Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, The Southern Credit Union's net worth ratio is 11.60%, above the 7% NCUA threshold for well capitalized.
Is The Southern Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. The Southern Credit Union is a federally insured credit union (NCUA charter 68638): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The Southern Credit Union's key safety ratios?
For Q2 2026, The Southern Credit Union reports net worth 11.60%, delinquency 0.10%, ROA 0.50%, loan-to-share 42.02%.
What happens to my money if The Southern Credit Union fails?
For Q2 2026, The Southern Credit Union held $499.1M in shares and deposits for 29,763 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.