Overview / Commentary
Southern Pine Credit Union is headquartered in VALDOSTA and is the 44th largest credit union in the state of Georgia. It is also the 2,430th largest credit union in the nation. It was established in 1991 and as of September of 2018, it had grown to 5 employees and 2,123 members at 1 location. Southern Pine Credit Union's savings rates are 2X the national average, and it has a C+ health rating.
Health
C+
Data as of Q3 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Southern Pine Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 67403 |
| Year Chartered | 1991 |
| Employees | 5 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.43% |
| Return on Equity - YTD | 2.37% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $45.4MM$45.3MM |
| Loans | Q3 2018vs Q3 2017 | $25.5MM$24.2MM |
| Deposits | Q3 2018vs Q3 2017 | $37.1MM$37.2MM |
| Equity Capital | Q3 2018vs Q3 2017 | $8.3MM$8.1MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $174.00K$138.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $1.1MM$552.00K |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$240.00K |
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Southern Pine Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.76% | - | - | IRA Savings Account | |
| 1.16% | - | - | Regular Savings | |
| 1.16% | - | - | Christmas Club |
Southern Pine Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | - | - | Checking Account |
Locations
| Southern Pine Credit Union Locations | ||
|---|---|---|
| Branch Office | 5495 Clyattville Lake Park Rd | Valdosta, GA 31601-0871 |