COMMUNITY SOUTH
State-Chartered • Chipley, Florida • Est. 1991
Quick Facts
- Charter Number
- #67434
- Type
- State-Chartered
- Established
- 1991
- Headquarters
- Chipley, Florida 32428
- Address
- PO Box 623
- Branches
- 4
- Members
- 15,150
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
15,150 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMUNITY SOUTH |
|---|---|
| Total Assets | $233.0M |
| Members | 15,150 |
| Loans Outstanding | $182.3M |
| Shares & Deposits | $200.5M |
| Net Worth | $31.1M |
| Net Worth Ratio | 13.33% |
| Loan-to-Share Ratio | 90.9% |
| Delinquency Rate | 0.58% |
| Net Income | +$3,052,126 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations
Chipley-Main
Main Office1044 Highway 90
Chipley, FL 32428
Bonifay Branch
1720 S Waukesha St
Bonifay, FL 32425
Chipley Operations
1447 Main St
Chipley, FL 32428
Defuniak Branch
775 US Highway 331 S
Defuniak Springs, FL 32435
Who Can Join COMMUNITY SOUTH?
Membership Type: Community
Membership eligibility for COMMUNITY SOUTH may vary. Contact the credit union directly to confirm qualification requirements.
Contact COMMUNITY SOUTH directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. COMMUNITY SOUTH is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, COMMUNITY SOUTH has 15,150 members and a potential membership field of 678,568 people.
COMMUNITY SOUTH's net worth ratio is 13.33% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.3%, COMMUNITY SOUTH meets this threshold.
COMMUNITY SOUTH operates 4 branch locations. The main office is located at 1044 Highway 90, Chipley, FL 32428.
COMMUNITY SOUTH was established in 1991. It is a state-chartered credit union chartered under charter number 67434. The institution has been serving members for 35 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COMMUNITY SOUTH. All financial data is for informational purposes only.