FIRST SOUTH FINANCIAL Credit Union Profile

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FIRST SOUTH FINANCIAL

Charter #24963 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (901) 380-7400

Fax: (901) 380-7320

Founding Date: N/A

Website: http://www.firstsouth.com

Personnel & Operations

President: Blume, Gary

Manager: Esrael, W. Craig

FT Employees: 133

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 15

Hours: 8-to-5 Mon-Fri

Credit Union Profile Summary

FIRST SOUTH FINANCIAL is a FCU Credit Union. With a total of 71,808 members [1], this institution manages approximately $801,893,873 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 30.25% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.77% [1].

Financial Snapshot

Total Assets [1]
$801,893,873

Total economic resources.

Total Loans [1]
$499,207,622

Total value of outstanding loans.

Total Deposits [1]
$552,363,214

Total funds deposited by members.

Members [1]
71,808

Number of active members.

Performance Ratios

Net Worth Ratio [1]
30.25%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
2.37%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
90.38%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.69%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.77%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.80%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2723 Summer Oaks Dr

Bartlett, TN, 38134
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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