THE SOUTHERN
State-Chartered • Fayetteville, Georgia • Est. 1963
Quick Facts
- Charter Number
- #68638
- Type
- State-Chartered
- Established
- 1963
- Headquarters
- Fayetteville, Georgia 30214
- Address
- PO Box 1509
- Branches
- 11
- ATMs
- 11
- Members
- 30,153
- 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
30,153 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE SOUTHERN |
|---|---|
| Total Assets | $555.2M |
| Members | 30,153 |
| Loans Outstanding | $215.2M |
| Shares & Deposits | $492.7M |
| Net Worth | $63.8M |
| Net Worth Ratio | 11.48% |
| Loan-to-Share Ratio | 43.7% |
| Delinquency Rate | 0.20% |
| Net Income | +$2,985,811 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 11 ATMs
Fayetteville
Main Office430 Lanier Ave E
Fayetteville, GA 30214
Peachtree City
1400 Commerce Dr N
Peachtree City, GA 30269
Newnan
232 Bullsboro Dr
Newnan, GA 30263
Griffin
1610 Georgia Highway 16 W
Griffin, GA 30223
Hampton
299 Woolsey Rd
Hampton, GA 30228
Who Can Join THE SOUTHERN?
Membership Type: Community
Membership eligibility for THE SOUTHERN may vary. Contact the credit union directly to confirm qualification requirements.
Contact THE SOUTHERN directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Georgia RankingsFrequently Asked Questions
Yes. THE SOUTHERN 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, THE SOUTHERN has 30,153 members and a potential membership field of 1,293,645 people.
THE SOUTHERN's net worth ratio is 11.48% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.5%, THE SOUTHERN meets this threshold.
THE SOUTHERN operates 11 branch locations and has access to 11 ATMs. The main office is located at 430 Lanier Ave E, Fayetteville, GA 30214.
THE SOUTHERN was established in 1963. It is a state-chartered credit union chartered under charter number 68638. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or THE SOUTHERN. All financial data is for informational purposes only.