COMMUNITY SOUTH
Charter #67434 · Chipley, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.21% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.18% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COMMUNITY SOUTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $239.12M | 60th pct | 51th pct |
| Members | 15,013 | 59th pct | 51th pct |
| Net worth ratio | 13.21% | 71th pct | 75th pct |
| Return on average assets | 0.90% | 63th pct | 61th pct |
| Net interest margin | 3.93% | 68th pct | 59th pct |
| Cost of funds | 0.18% | 9th pct | 8th pct |
| Loan-to-share | 86.61% | 82th pct | 67th pct |
| Delinquency 60+ days | 0.48% | 40th pct | 31th pct |
| Net charge-off ratio | 0.46% | 60th pct | 62th pct |
| Loan growth YoY | -4.92% | 6th pct | 3th pct |
| Share growth YoY | 2.05% | 28th pct | 30th pct |
| Efficiency ratio | 79.30% | 52th pct | 44th pct |
structural peer set hash: bf1ae224a920b71e09f8238ffb942309… (reproducible)
Closest structural peers
This is the free public view
Claim COMMUNITY SOUTH
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.