credit union · NCUA 68638 · GA
How big is THE SOUTHERN?
THE SOUTHERN (GA, NCUA charter 68638) reported total assets of $560.2M, 29,763 members and a net worth ratio of 11.60% in its Call Report for 2026Q2. That ranks 710 of 4,299 federally insured credit unions by assets, 231 of 280 among credit unions with $500m-$1b in assets, 12 of 71 credit unions in georgia.
What stands out
THE SOUTHERN (GA, NCUA charter 68638) reported total assets of $560.2M, 29,763 members and a net worth ratio of 11.60% in its Call Report for 2026Q2. That ranks 710 of 4,299 federally insured credit unions by assets, 231 of 280 among credit unions with $500m-$1b in assets, 12 of 71 credit unions in georgia. Against its size class: net worth ratio 11.60%, above the peer median of 10.59%; loan-to-share ratio 42.02%, below the peer median of 83.51%; return on assets 0.43%, below the peer median of 0.75%. At 11.60% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $560.2M | $714.8M | $44.1M | $68.3M | record → |
| Shares and deposits | $499.1M | $614.6M | $38.7M | $58.3M | record → |
| Loans outstanding | $209.7M | $502.2M | $19.3M | $34.4M | record → |
| Net income (year to date) | $1.2M | $2.5M | $88.0k | $222.2k | record → |
| Net worth | $65.0M | $74.4M | $6.3M | $9.0M | record → |
| Net worth ratio | 11.60% | 10.59% | 13.60% | 12.65% | record → |
| Loan-to-share ratio | 42.02% | 83.51% | 74.93% | 68.70% | computed |
| Return on assets | 0.43% | 0.75% | 0.70% | 0.71% | computed |
| Members | 29,763 | 41,964 | 3,922 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $560.2M | $499.1M | $209.7M | $1.2M | 11.60% | 29,763 | 710 |
| 2026Q1 | $564.3M | $502.9M | $209.8M | $501.3k | 11.39% | 30,052 | 708 |
| 2025Q4 | $555.2M | $492.7M | $215.2M | $2.7M | 11.48% | 30,153 | 711 |
| 2025Q3 | $550.2M | $488.0M | $214.1M | $2.2M | 11.52% | 30,414 | 709 |
| 2025Q2 | $548.3M | $489.7M | $216.9M | $1.3M | 11.41% | 30,823 | 710 |
| 2025Q1 | $551.8M | $495.3M | $215.6M | $629.0k | 11.20% | 31,094 | 712 |
| 2024Q4 | $533.9M | $481.8M | $217.7M | $3.7M | 11.46% | 31,176 | 707 |
| 2024Q3 | $535.1M | $479.2M | $218.7M | $3.2M | 11.35% | 31,340 | 705 |
| 2024Q2 | $536.0M | $485.8M | $220.7M | $2.0M | 11.10% | 31,686 | 704 |
| 2024Q1 | $533.5M | $485.9M | $222.6M | $802.4k | 10.93% | 31,929 | 709 |
| 2023Q4 | $527.5M | $481.8M | $224.2M | $5.5M | 10.91% | 31,985 | 707 |
| 2023Q3 | $532.2M | $493.1M | $224.2M | $4.7M | 10.67% | 32,245 | 698 |
| 2023Q2 | $540.6M | $502.2M | $221.2M | $2.1M | 10.02% | 32,622 | 693 |
| 2023Q1 | $544.3M | $506.3M | $219.2M | $940.2k | 9.74% | 32,610 | 694 |
| 2022Q4 | $543.2M | $506.0M | $215.2M | $3.7M | 9.59% | 32,505 | 687 |
| 2022Q3 | $553.1M | $517.5M | $209.7M | $2.5M | 9.26% | 32,744 | 681 |
| 2022Q2 | $551.7M | $513.7M | $202.2M | $1.4M | 9.18% | 32,744 | 680 |
| 2022Q1 | $552.8M | $507.1M | $193.8M | $439.7k | 9.13% | 32,843 | 671 |
| 2021Q4 | $537.8M | $486.5M | $191.3M | $2.3M | 9.26% | 32,842 | 672 |
| 2021Q3 | $527.5M | $473.8M | $193.5M | $1.8M | 9.45% | 32,896 | 676 |
| 2021Q2 | $520.7M | $466.5M | $193.4M | $946.7k | 9.58% | 32,896 | 675 |
| 2021Q1 | $504.8M | $451.4M | $194.3M | $420.8k | 9.82% | 32,845 | 683 |
| 2020Q4 | $474.5M | $420.3M | $195.6M | $2.1M | 9.70% | 32,761 | 681 |
| 2020Q3 | $462.2M | $407.6M | $196.5M | $1.6M | 9.85% | 32,842 | 677 |
| 2020Q2 | $450.0M | $395.6M | $200.3M | $745.3k | 9.92% | 32,830 | 679 |
| 2020Q1 | $421.9M | $370.8M | $201.9M | $434.0k | 10.51% | 32,900 | 680 |
| 2019Q4 | $406.7M | $356.8M | $204.8M | $2.3M | 10.80% | 32,947 | 684 |
| 2019Q3 | $406.1M | $356.5M | $204.6M | $1.5M | 10.61% | 33,064 | 675 |
| 2019Q2 | $404.9M | $353.6M | $202.0M | $959.8k | 10.50% | 33,048 | 674 |
| 2019Q1 | $406.6M | $358.6M | $197.1M | $447.0k | 10.33% | 33,064 | 664 |
| 2018Q4 | $392.1M | $347.2M | $194.5M | $2.4M | 10.60% | 32,838 | 667 |
| 2018Q3 | $398.6M | $352.9M | $185.1M | $1.8M | 10.29% | 32,823 | 658 |
| 2018Q2 | $394.5M | $350.4M | $175.3M | $910.3k | 10.17% | 32,674 | 663 |
| 2018Q1 | $396.8M | $353.7M | $167.9M | $528.4k | 10.01% | 32,666 | 659 |
| 2017Q4 | $385.2M | $341.8M | $164.7M | $1.3M | 10.17% | 32,578 | 660 |
| 2017Q3 | $386.3M | $342.4M | $159.5M | $964.3k | 10.05% | 32,552 | 652 |
| 2017Q2 | $382.1M | $339.7M | $153.9M | $330.8k | 9.99% | 32,526 | 661 |
| 2017Q1 | $380.2M | $339.2M | $146.3M | $127.9k | 9.99% | 32,550 | 661 |
| 2016Q4 | $364.0M | $322.9M | $142.3M | $1.3M | 10.40% | 32,512 | 665 |
| 2016Q3 | $371.1M | $328.9M | $140.1M | $902.3k | 10.08% | 32,435 | 652 |
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