Federal credit union · Collierville, Tennessee · NCUA charter #5974
Southern Security
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $244.9M
- Total assets
- 18,803
- Members
- 10.3%
- Net-worth ratio
Southern Security scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $244.9M; members 18,803; net-worth ratio 10.25%; health rank #3,007 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,007 of 4,374 health · 2025Q4Southern Security · health 78/100 · $244.9M · 2025Q4
Call Report peers
Southern Security in the assets neighbourhood
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Southern Security vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Security sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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 Security vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.26 pp (81.46% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.86 pp (10.25% vs 12.11%).
Southern Security in Tennessee
- Tennessee health ordinal: #85 of 127.
- Assets rank #27 of 127 inside Tennessee ($244.9M reported).
- Membership ranks #25 of 127 among Tennessee CUs with a reported count (18,803 members).
- One place up in Tennessee, HEALTHNET (#84) ties at 78/100; one place down, TEN (#86) ties at 78/100.
Southern Security Call Report trajectory
Southern Security: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $244.9M (2025Q4) to $249.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.30% → 10.25%).
This credit union's 10.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Southern Security gives up 22 points in total. Member Growth costs the most, 13.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Southern Security
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.25% | -1.86 pp |
| Delinquency Rate | 1.48% | +0.58 pp |
| Return on Assets | 0.58% | -0.04 pp |
| Member Growth | -4.00% | - |
| Loan-to-Share Ratio | 81.46% | +9.26 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Southern Security
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $249.1M | - |
| 2025Q4 | $244.9M | 18,803 |
| 2024Q4 | $234.9M | 19,586 |
| 2023Q4 | $235.3M | 19,840 |
Credit Union Details
- Charter Number
- 5974
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Collierville
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Southern Security, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| Collierville (Main Office) | Collierville, TN |
| Bartlett | Bartlett, TN |
| Robinwood | Bartlett, TN |
| Grenada | Grenada, MS |
| Poplar Ave- East Memphis | Memphis, TN |
| Auto Zone | Memphis, TN |
| Southaven | Southaven, MS |
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 Southern Security
Using this data
- Southern Security ranks #3,007 of 4,374 nationally on financial health and #85 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Southeast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Southeast
Frequently Asked Questions
Is Southern Security financially healthy?
Southern Security has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,007 of 4,374 nationally on health and #85 of 127 in Tennessee. Its net worth ratio is 10.25% and its delinquency rate 1.48%.
How does Southern Security compare to other credit unions?
Southern Security scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.46% vs 72.20%). Its widest shortfall is net worth ratio (10.25% vs 12.11%).
How can I join Southern Security?
Southern Security operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Southern Security directly for the exact boundaries and application steps.
Is my money safe at Southern Security?
Southern Security is a federal 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 Security's net worth ratio of 10.25% 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.