Overview / Commentary
The Southern Credit Union is headquartered in Fayetteville and is the 12th largest credit union in the state of Georgia. It is also the 712th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 77 employees and 31,094 members at 11 locations. The Southern Credit Union has an A health rating.
Field of Membership Restrictions
The Southern Credit Union offers membership to those who live or work in the Georgia counties of Butts, Clayton, Coweta, Fayette, Fulton, Henry, Lamar, Meriwether, Pike, Spalding, Troup, or Upson. Employees of more than 450 Select Employers Groups are also eligible to join, as are immediate family of a current member.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68638 |
| Year Chartered | 1963 |
| Employees | 77 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.46% |
| Return on Equity - YTD | 5.18% |
| Annual Interest Income | $4.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $551.8MM$533.5MM |
| Loans | Q1 2025vs Q1 2024 | $215.6MM$222.6MM |
| Deposits | Q1 2025vs Q1 2024 | $495.3MM$485.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $48.6MM$38.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1MM$1.2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $308K$129K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
