Community South Credit Union is headquartered in Chipley and is the 53rd largest credit union in the state of Florida. It is also the 1,173rd largest credit union in the nation. It was established in 1991 and as of March of 2025, it had grown to 51 employees and 14,659 members at 4 locations. Community South Credit Union has an A health rating.
Community South CU is open to anyone that resides or works in Washington or Holmes County, as well as the geographic perimeters of the following zip codes 32440, 32420, 32431, and 32426. Membership eligibility also extends to include the current employees and retirees of the Florida Dept of Transportation in District 3, Washington County; including the County Commission and School Board, Chipley City, and Community South CU employees, along with the family members of CU members.
See current membership details
Overall | |
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NCUA # | 67434 |
Year Chartered | 1991 |
Employees | 51 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.17% |
Return on Equity - YTD | 1.4% |
Annual Interest Income | $3MM |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $238.7MM$243.4MM |
Loans | Q1 2025vs Q1 2024 | $184MM$185.9MM |
Deposits | Q1 2025vs Q1 2024 | $208.1MM$215.5MM |
Equity Capital | Q1 2025vs Q1 2024 | $28.9MM$26.9MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.3MM$2.9MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $341K$739K |
Real Estate Owned | Q1 2025vs Q1 2024 | $125K$0 |
Rates for Community South Credit Union are currently being reviewed.
Community South Credit Union Locations | ||
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Branch Office | 1720 S Waukesha St | Bonifay, FL 32425 |
Branch Office | 1447 Main St | Chipley, FL 32428 |
Branch Office | 775 US Highway 331 S | Defuniak Springs, FL 32435 |
Corporate Office | 1044 Highway 90 | Chipley, FL 32428 |
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