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
Call Report peers
SOUTHERN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SOUTHERN sits in 45-49 with 39 others.
48 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SOUTHERN vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 45.83% here, 59.80% peer average (-13.97 pp).
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.
- One place up in Tennessee, Kellogg Memphis Employees (#125) scores 50/100, 2 points higher; one place down, Metropolitan Teachers (#127) scores 39/100, 9 points lower.
SOUTHERN Call Report trajectory
SOUTHERN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $18.7M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.75% → 11.93%).
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
SOUTHERN gives up 52 points in total. Delinquency Rate costs the most, 16.8 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is SOUTHERN financially healthy?
SOUTHERN has a financial health score of 48/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,289 of 4,374 nationally on health and #126 of 127 in Tennessee. Its net worth ratio is 11.93% and its delinquency rate 2.68%.
How does SOUTHERN compare to other credit unions?
SOUTHERN scores 48/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (45.83% vs 59.80%).
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?
SOUTHERN 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. SOUTHERN's net worth ratio of 11.93% 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.