B
Southern Pine Credit Union
Rating Date
July 2025
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.4 and a net worth ratio of 0.0. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors: Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (9.3) profitability. Good liquidity 5.4, driven by a liquidity ratio of 37.3 percent and a “hot money” ratio of 1.4 percent.
Asset Mix: Home mtgs (35%), consumer loans (21%), other (44%)
Asset Quality
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Corporate Info
Address
5495 Clyattville Lake Park Road
Valdosta, GA 31601
Phone Number
(229) 559-3311
NCUA Charter Number