Sep, 30, 2025 — MIDSOUTH COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in MACON, GA with 9 branch locations and about $472.83 million in total assets. Opened 90 years ago in 1936, MIDSOUTH COMMUNITY FEDERAL CREDIT UNION has about 43,664 members and employs 113 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MIDSOUTH COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 4810 Mercer University Dr MACON, GA 31210-5675 |
| Phone: | (478) 471-9946 |
| Fax: | (478) 757-7989 |
| Website: | https://www.midsouthfcu.org |
| Branches: | 9 branch locations |
| Members: | 43,664 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1410 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $472,829,437 |
| CEO/Manager: | Roy Bibb |
| Chairperson: | Cecil Ethridge |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 44,438,731 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 64,388,414 |
| Unsecured Loans | 26,230,633 |
| Other Loans | 235,997,037 |
| TOTAL LOANS | 326,616,084 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,285,730 |
| Land And Building | 15,154,175 |
| Other Fixed Assets | 855,180 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,756,448 |
| All Other Assets | 327,005 |
| TOTAL ASSETS | 472,829,437 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,009,075 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,209,331 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 89,550,944 |
| Regular shares | 123,552,208 |
| All Other Shares & Deposits | 194,977,746 |
| TOTAL SHARES & DEPOSITS | 408,080,898 |
| TOTAL LIABILITIES | 415,299,304 |
| Regular Reserve | 0 |
| Other Reserves | -8,578,523 |
| Undivided Earnings | 66,108,656 |
| TOTAL EQUITY | 57,530,133 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 472,829,437 |
| INCOME & EXPENSE | |
| Loan Income | 16,611,294 |
| Investment Income | 2,014,422 |
| Other Income | 4,024,452 |
| Total Employee Compensation & Benefits | 7,803,726 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,719,377 |
| Non-operating Income & (Expense) | 81,505 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,521,460 |
| Cost of Funds | 4,135,911 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,519,858 |
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