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MIDSOUTH COMMUNITY FEDERAL CREDIT UNION

Dec, 31, 2023 — MIDSOUTH COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in MACON, GA with 10 branch locations and about $430.20 million in total assets. Opened 88 years ago in 1936, MIDSOUTH COMMUNITY FEDERAL CREDIT UNION has about 41,562 members and employs 108 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 261171228
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:10 branch locations
Members:41,562
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, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$430,195,664
CEO/Manager:Roy Bibb
Chairperson:Cecil Ethridge

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 11,433,088
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 50,046,538
 Unsecured Loans 21,267,885
 Other Loans 232,486,140
 TOTAL LOANS 303,800,563
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -4,420,453
 Land And Building 7,589,398
 Other Fixed Assets 534,198
 NCUSIF Deposit 3,623,992
 All Other Assets 270,282
  TOTAL ASSETS 430,195,664
LIABILITIES & CAPITAL:  
 Dividends Payable 997,449
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 8,522,463
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 82,027,255
 Regular shares 124,582,798
 All Other Shares & Deposits 170,365,533
  TOTAL SHARES & DEPOSITS 376,975,586
  TOTAL LIABILITIES 386,495,498
 Regular Reserve 0
 Other Reserves -12,844,903
 Undivided Earnings 56,545,069
  TOTAL EQUITY 43,700,166
  TOTAL LIABILITIES, SHARES, & EQUITY 430,195,664
INCOME & EXPENSE  
 Loan Income 16,958,412
 Investment Income 1,984,959
 Other Income 5,314,266
 Total Employee Compensation & Benefits 8,957,682
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 6,894,316
 Non-operating Income & (Expense) 248,908
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 3,295,251
 Cost of Funds 3,520,818
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 4,981,985
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