Sep, 30, 2025 — SOUTHERN PINE CREDIT UNION is a federally insured state chartered credit union headquartered in VALDOSTA, GA with 1 branch location and about $30.01 million in total assets. Opened 35 years ago in 1991, SOUTHERN PINE CREDIT UNION has about 1,249 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SOUTHERN PINE CREDIT UNION |
|---|---|
| Address: (Main Office) | 5495 Clyattville Lake Park Rd VALDOSTA, GA 31601-0871 |
| Phone: | (229) 559-3311 |
| Fax: | (229) 588-8627 |
| Website: | https://www.southernpinecu.org |
| Branches: | 1 branch locations |
| Members: | 1,249 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67403 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1991 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $30,006,304 |
| CEO/Manager: | Patricia A Sharpe |
| Chairperson: | Cameron Engskow |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,836,786 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 10,502,675 |
| Unsecured Loans | 1,223,955 |
| Other Loans | 6,306,029 |
| TOTAL LOANS | 18,032,659 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -129,572 |
| Land And Building | 0 |
| Other Fixed Assets | 45,497 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 261,810 |
| All Other Assets | 0 |
| TOTAL ASSETS | 30,006,304 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 75,470 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,037,399 |
| Regular shares | 16,483,705 |
| All Other Shares & Deposits | 5,079,040 |
| TOTAL SHARES & DEPOSITS | 23,600,145 |
| TOTAL LIABILITIES | 23,675,615 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 6,330,689 |
| TOTAL EQUITY | 6,330,689 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 30,006,304 |
| INCOME & EXPENSE | |
| Loan Income | 652,417 |
| Investment Income | 318,276 |
| Other Income | 18,827 |
| Total Employee Compensation & Benefits | 369,350 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 587,574 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 93,247 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,960,838 |
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