The Southern Credit Union

The Southern Credit Union is headquartered in Fayetteville and is the 8^th largest credit union in the state of Georgia. It is also the 645^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 89 employees and 32,147 members. The Southern Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

The Southern Credit Union Checking Account Rates

The Southern Credit Union Savings Account Rates

The Southern Credit Union Money Market Rates

The Southern Credit Union CD Rates

The Southern Credit Union IRA Rates

Data for Q4 2011

Institution Statistics THE SOUTHERN NCUA # 15457 BankRate Report View Year Chartered 1963 Employees 89 Primary Regulator Assets and Liabilities Assets $294.40 million Loans $90.89 million Deposits $257.68 million Equity Capital $33.77 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $265,000 Historic Data - December 2010 Assets $268.55 million Equity Capital $32.16 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $472,000 Real Estate Owned $50,000 Profit Margin - Quarterly Net Interest Margin 5.25% Return on Assets 0.24% Return on Equity 2.1% Interest Income $9.26 million Non-Interest Income $4.86 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 The Southern Credit Union had $265,000 in non-current loans and owned real-estate with $35.12 million in equity and loan loss allowances on hand to cover it. This gives The Southern Credit Union a Texas Ratio of 0.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Southern Credit Union decreased significantly from 1.54% as of December 31, 2010 to 0.75% as of December 31, 2011, resulting in a positive change of 51.11%.This indicates that the balance sheet and financial strength for The Southern Credit Union has improved significantly in recent periods. Deposit Growth In the past year, The Southern Credit Union has increased its total deposits by $23.98 million, resulting in 10.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Southern Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Southern Credit Union has $294.4 million in assets with $35.12 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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