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
Southeast Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Southeast Financial sits in 70-74 with 317 others.
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
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%).
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).
- One place up in Tennessee, ORION (#97) scores 75/100, 1 point higher; one place down, FEDTRUST (#99) ties at 74/100.
Southeast Financial Call Report trajectory
Southeast Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $463.7M (2025Q4) to $474.1M (2026Q1).
- Net-worth ratio shifted -0.16 pp (7.90% → 7.74%).
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
Southeast Financial gives up 26 points in total. Member Growth costs the most, 13.4 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Southeast Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Southeast Financial scores 74/100 (Very Good), with a 7.74% net worth ratio and 0.65% of loans delinquent. It ranks #3,371 of 4,374 nationally on health and #98 of 127 in Tennessee.
How does Southeast Financial compare to other credit unions?
Southeast Financial scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.43% vs 72.20%). Its widest shortfall is net worth ratio (7.74% vs 12.11%).
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?
Southeast Financial is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.