COMMUNITY SOUTH
State-Chartered • Chipley, Florida • Est. 1991
Quick Facts
- Charter Number
- #67434
- Type
- State-Chartered
- Established
- 1991
- Headquarters
- Chipley, Florida 32428
- Address
- 1044 Highway 90
- Branches
- 4
- Members
- 15,013
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
15,013 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COMMUNITY SOUTH |
|---|---|
| Total Assets | $239.1M |
| Members | 15,013 |
| Loans Outstanding | $177.7M |
| Shares & Deposits | $205.2M |
| Net Worth | $31.6M |
| Net Worth Ratio | 13.21% |
| Loan-to-Share Ratio | 86.6% |
| Delinquency Rate | 0.48% |
| Net Income | +$529,881 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Florida
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Florida RankingsFrequently Asked Questions
COMMUNITY SOUTH is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, COMMUNITY SOUTH has 15,013 members and a potential membership field of 678,568 people.
COMMUNITY SOUTH's reported net worth ratio is 13.21% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or COMMUNITY SOUTH. All financial data is for informational purposes only.