SOUTH CENTRAL
State-Chartered • JACKSON, Michigan • Est. 1954
Quick Facts
- Charter Number
- #62143
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- JACKSON, Michigan 49204
- Address
- P.O. BOX 27
- Branches
- 2
- ATMs
- 2
- Members
- 6,802
- 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
6,802 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTH CENTRAL |
|---|---|
| Total Assets | $84.8M |
| Members | 6,802 |
| Loans Outstanding | $40.3M |
| Shares & Deposits | $72.9M |
| Net Worth | $12.1M |
| Net Worth Ratio | 14.23% |
| Loan-to-Share Ratio | 55.3% |
| Delinquency Rate | 0.40% |
| Net Income | +$258,421 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
South Central Credit Union
Main Office958 W Monroe St
Jackson, MI 49202-2036
South St. Branch
2221 E South St
Jackson, MI 49201-8713
Who Can Join SOUTH CENTRAL?
Membership Type: Community
Membership eligibility for SOUTH CENTRAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTH CENTRAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. SOUTH CENTRAL 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, SOUTH CENTRAL has 6,802 members and a potential membership field of 1,442,512 people.
SOUTH CENTRAL's net worth ratio is 14.23% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.2%, SOUTH CENTRAL meets this threshold.
SOUTH CENTRAL operates 2 branch locations and has access to 2 ATMs. The main office is located at 958 W Monroe St, Jackson, MI 49202-2036.
SOUTH CENTRAL was established in 1954. It is a state-chartered credit union chartered under charter number 62143. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTH CENTRAL. All financial data is for informational purposes only.