COMMUNITY SOUTH
Chipley, FL · State Credit Union · Chartered in FL
Who can join
State government employees (special charter)
Members
15,013
Net Worth Ratio
13.21%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$239.1M
Peer Group 5
Members
15,013
as of latest quarter
Net Worth Ratio
13.21%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$239.1M
Total Shares
$205.2M
Total Loans
$177.7M
Net Income
$530K
Net Worth Ratio
13.21%
≥7% = Well Capitalized
Members
15,013
Return on Assets
0.22%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.41%
$720K
Loan-to-share ratio: 86.6%· healthy range 60–80%
Branch Locations
NCUAChipley-Main
1044 Highway 90, Chipley, FL, 32428
7:00-4:30- Monday-Thursday 7:00-5:30- Friday 9:00-12:00- Saturday
Bonifay Branch
1720 S Waukesha St, Bonifay, FL, 32425
7:00-4:30- Monday-Thursday 7:00-5:30- Friday 9:00-12:00- Saturday
Chipley Operations
1447 Main St, Chipley, FL, 32428
M-Th 8:00-4:30 Fridy - 8:00 - 5:00
Defuniak Branch
775 US Highway 331 S, Defuniak Springs, FL, 32435
Mon-Thu 8-4Fri 8-5Sat 9-12
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/community-south" target="_blank" rel="noopener">View COMMUNITY SOUTH on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.