Credit union · NCUA insured
Southern Pine Credit Union
A $29.8M credit union headquartered in Valdosta, GA, with 1,235 members and 1 branch in Georgia. Best rates: CDs 2.26% and savings 0.25% APY.
Southern Pine Credit Union Carrot Score
62
Carrot Score
Higher than 8% of U.S. banks and credit unions
#5 of 9 in Valdosta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern Pine Credit Union
Headquartered in Valdosta, Georgia, Southern Pine Credit Union is a member-owned institution that has operated since 1954.
The credit union focuses on serving PCA employees, their family members, and retirees.
- Headquarters
- 5495 Clyattville Lake Park Rd, Valdosta, GA 31601-0871
- NCUA charter
- 67403
Branches
1 branch in Georgia
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Georgia
1 branch
- Main officeMain office5495 Clyattville Lake Park Rd, Valdosta, GA 31601Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 23.71% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.79% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.91% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio23.71%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.79%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Southern Pine Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.