State credit union · FRANKLIN, Tennessee · NCUA charter #68599
Southeast Financial
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $463.7M
- Total assets
- 37,059
- Members
- 7.7%
- Net-worth ratio
Southeast Financial scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $463.7M; members 37,059; net-worth ratio 7.74%; health rank #3,371 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,371 of 4,374 health · 2025Q4Southeast Financial · health 74/100 · $463.7M · 2025Q4
- NCUSIF 74/100
- CAMELS 7.7%
- HEALTH 0.65%
- NW 0.15%
- DELQ $463.7M
- ROA 37,059
- ASSETS #3,371/4,374
- MEM TIDEMARK
- RANK 68599
Southeast Financial in the assets neighbourhood
Southeast Financial's $463.7M assets sit next to TIDEMARK ($462.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southeast Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Southeast Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68599. See our deposit-insurance coverage note.
Where Southeast Financial diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.43% vs peer 72.20% (+17.23 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.37 pp (7.74% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southeast Financial sits in Tennessee
- In Tennessee, health place is #98 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 127 inside Tennessee ($463.7M reported).
- Membership ranks #15 of 127 among Tennessee CUs with a reported count (37,059 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southeast Financial Call Report trajectory
Southeast Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $463.7M (2025Q4) to $474.1M (2026Q1).
- Net-worth ratio shifted -0.16 pp (7.90% → 7.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 24.3 pts
- Delinquency Rate 23.5 pts
- Return on Assets 9.8 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 14.8 pts
Southeast Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.74% | -4.37 pp |
| Delinquency Rate | 0.65% | -0.24 pp |
| Return on Assets | 0.15% | -0.47 pp |
| Member Growth | -4.13% | - |
| Loan-to-Share Ratio | 89.43% | +17.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Southeast Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $474.1M | - |
| 2025Q4 | $463.7M | 37,059 |
| 2024Q4 | $457.3M | 38,654 |
| 2023Q4 | $474.0M | 39,823 |
Credit Union Details
- Charter Number
- 68599
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- FRANKLIN
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Southeast Financial runs 12 offices in 11 different cities across 3 states.
| Office | City |
|---|---|
| Franklin (Main Office) | Franklin, TN |
| Bowling Green | Bowling Green, KY |
| Brentwood | Brentwood, TN |
| National Ave | Chattanooga, TN |
| Corinth | Corinth, MS |
| Memphis | Germantown, TN |
| Goodlettsville | Goodlettsville, TN |
| Jackson | Jackson, TN |
| Knoxville | Knoxville, TN |
| LaVergne | La Vergne, TN |
| Briley South | Nashville, TN |
| JRP | Nashville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Southeast Financial
Southeast Financial's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($463.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Southeast Financial ranks #3,371 of 4,374 nationally on financial health and #98 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Memphis City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Memphis City Employees
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Southeast Financial financially healthy?
Southeast Financial has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,371 of 4,374; by total assets it ranks #788 of 4,374 nationally (same basis as /rankings/largest); and #17 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.74% and delinquency rate of 0.65%.
How does Southeast Financial compare to other credit unions?
PlainCU's health composite puts Southeast Financial at 74/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Southeast Financial?
Membership eligibility for Southeast Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southeast Financial directly for current membership requirements and application steps.
Is my money safe at Southeast Financial?
Federal credit unions like Southeast Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Southeast Financial's net worth ratio of 7.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southeast Financial offer compared to banks?
Credit unions like Southeast Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Southeast Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.