SOUTHERN Credit Union Profile

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SOUTHERN

Charter #66980 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (423) 629-2578

Fax: (423) 624-0987

Founding Date: N/A

Website: http://www.southerncu.com

Personnel & Operations

President: Wallis, Sandra

Manager: Beale, Cindy

FT Employees: 5

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 8:30AM -- 4:30PM Monday, Tuesday, Thursday,

Credit Union Profile Summary

SOUTHERN is a FISCU Credit Union. With a total of 1,711 members [1], this institution manages approximately $20,106,064 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.13% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -9.78% [1].

Financial Snapshot

Total Assets [1]
$20,106,064

Total economic resources.

Total Loans [1]
$7,894,414

Total value of outstanding loans.

Total Deposits [1]
$17,840,422

Total funds deposited by members.

Members [1]
1,711

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.13%

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]
-0.60%

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

Loan-to-Share Ratio [1]
44.25%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -4.37%

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

Loan Growth (4Q) [1]
↓ -9.78%

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

Member Growth (4Q) [1]
↓ -4.94%

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

Headquarters Location & Map

Headquarters Address

508 National Ave

Chattanooga, TN, 37404
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by SOUTHERN (Charter #66980).

Main Office

Main Office Main Office

Type: Corporate Office

508 National Ave

Chattanooga, TN 37404

Phone: (423) 629-2578

Services: Member Services

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Additional Branches

Knoxville

Knoxville Branch

Type: Branch Office

516 Merchants Dr

Knoxville, TN 37912

Phone: (865) 687-3691

Services: Member Services

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