credit union · NCUA 24963 · TN
How big is FIRST SOUTH FINANCIAL?
FIRST SOUTH FINANCIAL (TN, NCUA charter 24963) reported total assets of $844.8M, 72,208 members and a net worth ratio of 30.23% in its Call Report for 2026Q2. That ranks 542 of 4,299 federally insured credit unions by assets, 63 of 280 among credit unions with $500m-$1b in assets, 11 of 125 credit unions in tennessee.
What stands out
FIRST SOUTH FINANCIAL (TN, NCUA charter 24963) reported total assets of $844.8M, 72,208 members and a net worth ratio of 30.23% in its Call Report for 2026Q2. That ranks 542 of 4,299 federally insured credit unions by assets, 63 of 280 among credit unions with $500m-$1b in assets, 11 of 125 credit unions in tennessee. Against its size class: net worth ratio 30.23%, above the peer median of 10.59%; loan-to-share ratio 82.99%, below the peer median of 83.51%; return on assets 1.97%, above the peer median of 0.75%. At 30.23% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $844.8M | $714.8M | $54.7M | $68.3M | record → |
| Shares and deposits | $576.4M | $614.6M | $48.3M | $58.3M | record → |
| Loans outstanding | $478.4M | $502.2M | $29.4M | $34.4M | record → |
| Net income (year to date) | $8.3M | $2.5M | $207.8k | $222.2k | record → |
| Net worth | $255.4M | $74.4M | $7.4M | $9.0M | record → |
| Net worth ratio | 30.23% | 10.59% | 13.85% | 12.65% | record → |
| Loan-to-share ratio | 82.99% | 83.51% | 70.17% | 68.70% | computed |
| Return on assets | 1.97% | 0.75% | 0.76% | 0.71% | computed |
| Members | 72,208 | 41,964 | 4,083 | 4,818 | record → |
Quarter by quarter
8 Call Reports on record, 2024Q3–2026Q2; the 8 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $844.8M | $576.4M | $478.4M | $8.3M | 30.23% | 72,208 | 542 |
| 2026Q1 | $834.5M | $571.8M | $475.6M | $3.9M | 30.07% | 71,340 | 544 |
| 2025Q4 | $828.8M | $567.7M | $474.6M | $18.4M | 30.36% | 71,399 | 541 |
| 2025Q3 | $809.1M | $554.3M | $483.2M | $14.0M | 30.56% | 71,826 | 547 |
| 2025Q2 | $801.9M | $552.4M | $499.2M | $9.3M | 30.25% | 71,808 | 550 |
| 2025Q1 | $793.7M | $549.1M | $511.4M | $4.4M | 29.94% | 71,829 | 546 |
| 2024Q4 | $768.8M | $528.4M | $520.0M | $19.9M | 30.94% | 71,877 | 553 |
| 2024Q3 | $758.5M | $522.5M | $525.8M | $14.9M | 30.71% | 72,145 | 561 |
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