Charter 67434 · Chipley, FL
Community South Credit Union
Community South Credit Union is a state-chartered credit union in Chipley, Florida, with $245 million in assets and 15,108 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.05%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $245 million
- +4.2% in a year
- Members
- 15,108
- +3.1% in a year
- Net worth ratio
- 13.05%
- Peer median 11.65%
- Loans 60+ days late
- 0.96%
- Peer median 0.70%
- Loans outstanding
- $182 million
- -1.8% in a year
- Shares and deposits
- $209 million
- +2.9% in a year
- Branches
- 4
- 59 employees
- Opened
- 1991
- Florida charter
How Community South Credit Union compares
NCUA groups credit unions by size; Community South Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.05% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.96%, is higher than the group median of 0.70%. Loans fell 1.8% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 51 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $245 million | 15,108 | $182 million | 13.05% | 0.96% |
| Q1 2026 | $239 million | 15,013 | $178 million | 13.21% | 0.48% |
| Q4 2025 | $233 million | 15,150 | $182 million | 13.33% | 0.58% |
| Q3 2025 | $233 million | 14,996 | $187 million | 13.12% | 0.58% |
| Q2 2025 | $235 million | 14,659 | $185 million | 12.81% | 0.23% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 678,568 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Community South Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Chipley-Main (main office)
1044 Highway 90, Chipley, FL 32428 - Bonifay Branch
1720 S Waukesha St, Bonifay, FL 32425 - Chipley Operations
1447 Main St, Chipley, FL 32428 - Defuniak Branch
775 Us Highway 331 S, Defuniak Springs, FL 32435
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology