Community South Credit Union


Overview / Commentary
850-638-8376
1044 Highway 90
Chipley, FL 32428

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.

Field of Membership Restrictions

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

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Health

Health Grade Components

Overall
NCUA #67434
Year Chartered1991
Employees51
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD1.4%
Annual Interest Income$3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$238.7MM$243.4MM
LoansQ1 2025vs Q1 2024$184MM$185.9MM
DepositsQ1 2025vs Q1 2024$208.1MM$215.5MM
Equity CapitalQ1 2025vs Q1 2024$28.9MM$26.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.3MM$2.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$341K$739K
Real Estate OwnedQ1 2025vs Q1 2024$125K$0
Rates

Rates for Community South Credit Union are currently being reviewed.

Locations


Community South Credit Union Locations
Branch Office1720 S Waukesha StBonifay, FL 32425
Branch Office1447 Main StChipley, FL 32428
Branch Office775 US Highway 331 SDefuniak Springs, FL 32435
Corporate Office1044 Highway 90Chipley, FL 32428

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