State credit union · Chattanooga, Tennessee · NCUA charter #66980
SOUTHERN
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $18.7M
- Total assets
- 1,642
- Members
- 11.9%
- Net-worth ratio
SOUTHERN scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.7M; members 1,642; net-worth ratio 11.93%; health rank #4,289 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,289 of 4,374 health · 2025Q4SOUTHERN · health 48/100 · $18.7M · 2025Q4
- CAMELS 48/100
- HEALTH 11.9%
- NW 2.68%
- DELQ -0.52%
- ROA $18.7M
- ASSETS 1,642
- MEM #4,289/4,374
- RANK Farm Credit Employees
- PHOTO 66980
Call Report peers
SOUTHERN in the assets neighbourhood
SOUTHERN's $18.7M assets sit next to Farm Credit Employees ($18.6M) 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.
SOUTHERN 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
48 2nd percentile higher than 2% 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
SOUTHERN - Share Insurance Coverage
Charter #66980's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SOUTHERN vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 45.83% here, 59.80% peer average (-13.97 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SOUTHERN sits in Tennessee
- Tennessee health ordinal: #126 of 127.
- Assets rank #90 of 127 inside Tennessee ($18.7M reported).
- Member book place in Tennessee: #95 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SOUTHERN Call Report trajectory
SOUTHERN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $18.7M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.75% → 11.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 48/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 48.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for SOUTHERN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.93% | -2.93 pp |
| Delinquency Rate | 2.68% | +1.54 pp |
| Return on Assets | -0.52% | -1.23 pp |
| Member Growth | -6.70% | - |
| Loan-to-Share Ratio | 45.83% | -13.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
SOUTHERN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.2M | - |
| 2025Q4 | $18.7M | 1,642 |
| 2024Q4 | $20.7M | 1,760 |
| 2023Q4 | $21.0M | 1,828 |
Credit Union Details
- Charter Number
- 66980
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Chattanooga
- Data Quarter
- 2025Q4
Branch Location
SOUTHERN operates a single office in Chattanooga, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Southern Credit Union (Main Office) | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
SOUTHERN's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (48/100 here).
Using this data
- SOUTHERN ranks #4,289 of 4,374 nationally on financial health and #126 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The West Tennessee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The West Tennessee
- 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 SOUTHERN financially healthy?
SOUTHERN scores 48/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,289 of 4,374; by total assets it ranks #3,187 of 4,374 nationally (same basis as /rankings/largest); and #90 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.93% net worth ratio and a 2.68% delinquency rate.
How does SOUTHERN compare to other credit unions?
SOUTHERN scores 48/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 SOUTHERN?
Membership eligibility for SOUTHERN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SOUTHERN directly for current membership requirements and application steps.
Is my money safe at SOUTHERN?
Federal credit unions like SOUTHERN 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. SOUTHERN's net worth ratio of 11.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUTHERN offer compared to banks?
Credit unions like SOUTHERN 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 SOUTHERN 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.