Sep, 30, 2025 — COMMUNITY SOUTH CREDIT UNION is a federally insured state chartered credit union headquartered in CHIPLEY, FL with 4 branch locations and about $233.27 million in total assets. Opened 35 years ago in 1991, COMMUNITY SOUTH CREDIT UNION has about 14,996 members and employs 55 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COMMUNITY SOUTH CREDIT UNION |
|---|---|
| Address: (Main Office) | 1044 Highway 90 CHIPLEY, FL 32428 |
| Phone: | (850) 638-8376 |
| Fax: | (850) 638-4055 |
| Website: | https://www.communitysouth.net |
| Branches: | 4 branch locations |
| Members: | 14,996 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67434 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1991 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $233,274,184 |
| CEO/Manager: | Jan L Page |
| Chairperson: | Ira J Carter |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 17,228,169 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 107,081,429 |
| Unsecured Loans | 22,952,672 |
| Other Loans | 56,824,889 |
| TOTAL LOANS | 186,874,863 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,943,573 |
| Land And Building | 10,230,961 |
| Other Fixed Assets | 1,902,958 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,968,488 |
| All Other Assets | 0 |
| TOTAL ASSETS | 233,274,184 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,206,524 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 38,230,973 |
| Regular shares | 75,476,596 |
| All Other Shares & Deposits | 87,337,902 |
| TOTAL SHARES & DEPOSITS | 201,045,472 |
| TOTAL LIABILITIES | 203,251,996 |
| Regular Reserve | 0 |
| Other Reserves | 3,636,036 |
| Undivided Earnings | 26,386,152 |
| TOTAL EQUITY | 30,022,188 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 233,274,184 |
| INCOME & EXPENSE | |
| Loan Income | 8,797,523 |
| Investment Income | 663,993 |
| Other Income | 3,132,700 |
| Total Employee Compensation & Benefits | 3,496,822 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,220,391 |
| Non-operating Income & (Expense) | -18,769 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 585,181 |
| Cost of Funds | 3,020,800 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,252,253 |
| ↑ Back to Top | |