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
- DELQ 78/100
- ROA 10.3%
- ASSETS 1.48%
- MEM 0.58%
- RANK $244.9M
- PHOTO 18,803
- BOOK #3,007/4,374
- CHARTER Nw Priority
- NCUSIF 5974
Call Report peers
Southern Security in the assets neighbourhood
Southern Security's $244.9M assets sit next to Nw Priority ($245.1M) 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 Security 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
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 - Share Insurance Coverage
Charter #5974'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 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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Security Call Report trajectory
Southern Security: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $244.9M (2025Q4) to $249.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.30% → 10.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
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).
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
Two NCUA Call Report peer sets for Southern Security, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($244.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 Security financially healthy?
Southern Security has a financial health score of 78/100 (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 #3,007 of 4,374; by total assets it ranks #1,156 of 4,374 nationally (same basis as /rankings/largest); and #27 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 10.25% and delinquency rate of 1.48%.
How does Southern Security compare to other credit unions?
Southern Security scores 78/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Southern Security 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 Security's net worth ratio of 10.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Security offer compared to banks?
Credit unions like Southern Security 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 Security 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.