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Southern
Chattanooga, TN · NCUA Charter #66980 · State charter, federally insured · Chartered 1943
Total assets
$18.08M
Shares & deposits
$15.91M
Total loans
$7.31M
Members
1,606
Net worth
$2.13M
Branches
1
Rank: #3,173 of 4,299 U.S. credit unions by assets · #91 of 125 in Tennessee. Assets changed -10.1% and membership -6.1% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 11.81% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 1.19% |
| Loans to shares & deposits | 46.0% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $25.96M | $23.10M | $0 | $2.80M |
| Jun 2023 | $21.89M | $18.31M | $0 | $2.74M |
| Jun 2024 | $21.03M | $18.63M | $0 | $2.35M |
| Jun 2025 | $20.11M | $17.84M | $0 | $2.24M |
| Jun 2026 | $18.08M | $15.91M | $0 | $2.13M |
Branch footprint
| State | Branches |
|---|---|
| Tennessee | 1 |
Similar-sized credit unions
Energy People ($18.10M) · Community Healthcare ($18.01M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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