Total Assets
$564.3M
Total Deposits
$502.9M
Branches
11
Established
1963
THE SOUTHERN is a credit union headquartered in Fayetteville, Georgia, established in 1963. It holds $564.3M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, THE SOUTHERN earns a TFS Financial Health Grade of D (54.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
54.0 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| FayettevilleHQ | 430 Lanier Ave E | Fayetteville | GA | Full Service |
| Regional Office | 1701 Columbia Ave Ste 135 | College Park | GA | Full Service |
| Griffin | 1610 Georgia Highway 16 W | Griffin | GA | Full Service |
| Hampton | 299 Woolsey Rd | Hampton | GA | Full Service |
| Mt Zion | 2236 Mount Zion Rd | Jonesboro | GA | Full Service |
| LaGrange | 117 Bull St | LaGrange | GA | Full Service |
| McDonough | 2097 Highway 20 W | McDonough | GA | Full Service |
| Newnan | 232 Bullsboro Dr | Newnan | GA | Full Service |
| Peachtree City | 1400 Commerce Dr N | Peachtree City | GA | Full Service |
| Sharpsburg | 1790 Highway 154 | Sharpsburg | GA | Full Service |
| Kia | 7777 Kia Pkwy | West Point | GA | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
54.0
Net worth ratio
11.39%
Return on assets
0.36%
60+ day delinquency
0.10%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.