credit union · NCUA 66980 · TN
How big is SOUTHERN?
SOUTHERN (TN, NCUA charter 66980) reported total assets of $18.1M, 1,606 members and a net worth ratio of 11.81% in its Call Report for 2026Q2. That ranks 3173 of 4,299 federally insured credit unions by assets, 780 of 1,135 among credit unions with $10m-$50m in assets, 91 of 125 credit unions in tennessee.
What stands out
SOUTHERN (TN, NCUA charter 66980) reported total assets of $18.1M, 1,606 members and a net worth ratio of 11.81% in its Call Report for 2026Q2. That ranks 3173 of 4,299 federally insured credit unions by assets, 780 of 1,135 among credit unions with $10m-$50m in assets, 91 of 125 credit unions in tennessee. Against its size class: net worth ratio 11.81%, below the peer median of 13.88%; loan-to-share ratio 45.95%, below the peer median of 57.77%; return on assets -0.69%, below the peer median of 0.70%. At 11.81% 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 | $18.1M | $25.2M | $54.7M | $68.3M | record → |
| Shares and deposits | $15.9M | $21.4M | $48.3M | $58.3M | record → |
| Loans outstanding | $7.3M | $11.2M | $29.4M | $34.4M | record → |
| Net income (year to date) | $-62.1k | $82.1k | $207.8k | $222.2k | record → |
| Net worth | $2.1M | $3.4M | $7.4M | $9.0M | record → |
| Net worth ratio | 11.81% | 13.88% | 13.85% | 12.65% | record → |
| Loan-to-share ratio | 45.95% | 57.77% | 70.17% | 68.70% | computed |
| Return on assets | -0.69% | 0.70% | 0.76% | 0.71% | computed |
| Members | 1,606 | 2,092 | 4,083 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $18.1M | $15.9M | $7.3M | $-62.1k | 11.81% | 1,606 | 3173 |
| 2026Q1 | $18.2M | $16.0M | $7.3M | $-23.9k | 11.93% | 1,632 | 3191 |
| 2025Q4 | $18.7M | $16.4M | $7.5M | $-101.7k | 11.75% | 1,642 | 3187 |
| 2025Q3 | $19.1M | $16.7M | $7.6M | $-67.2k | 11.65% | 1,686 | 3195 |
| 2025Q2 | $20.1M | $17.8M | $7.9M | $-60.7k | 11.13% | 1,711 | 3187 |
| 2025Q1 | $20.8M | $18.4M | $8.3M | $-13.8k | 11.00% | 1,734 | 3189 |
| 2024Q4 | $20.7M | $18.3M | $8.4M | $-97.6k | 11.10% | 1,760 | 3200 |
| 2024Q3 | $20.3M | $17.9M | $8.9M | $-83.8k | 11.38% | 1,791 | 3228 |
| 2024Q2 | $21.0M | $18.6M | $8.8M | $-45.1k | 11.18% | 1,800 | 3225 |
| 2024Q1 | $21.0M | $18.6M | $8.7M | $-34.1k | 11.23% | 1,808 | 3253 |
| 2023Q4 | $21.0M | $18.5M | $8.9M | $-450.5k | 11.43% | 1,828 | 3257 |
| 2023Q3 | $21.0M | $18.5M | $8.8M | $-438.7k | 11.46% | 1,863 | 3287 |
| 2023Q2 | $21.9M | $18.3M | $8.9M | $-104.7k | 12.52% | 1,880 | 3268 |
| 2023Q1 | $21.9M | $18.7M | $8.6M | $-60.3k | 12.75% | 1,893 | 3289 |
| 2022Q4 | $22.6M | $17.6M | $8.1M | $-47.6k | 12.61% | 1,493 | 3280 |
| 2022Q3 | $24.6M | $20.8M | $8.1M | $-81.3k | 11.24% | 2,005 | 3222 |
| 2022Q2 | $26.0M | $23.1M | $8.0M | $-54.9k | 10.77% | 2,092 | 3199 |
| 2022Q1 | $26.2M | $23.3M | $8.1M | $-33.5k | 10.76% | 2,118 | 3207 |
| 2021Q4 | $26.4M | $23.5M | $8.3M | $5.7k | 10.80% | 2,142 | 3184 |
| 2021Q3 | $24.7M | $21.9M | $8.4M | $-128.4k | 11.02% | 2,186 | 3253 |
| 2021Q2 | $25.4M | $22.6M | $8.5M | $-89.0k | 10.86% | 2,231 | 3228 |
| 2021Q1 | $24.4M | $21.5M | $9.0M | $-49.2k | 11.46% | 2,261 | 3277 |
| 2020Q4 | $22.9M | $20.0M | $9.4M | $-88.3k | 12.42% | 2,295 | 3290 |
| 2020Q3 | $23.2M | $20.3M | $9.4M | $-56.5k | 12.37% | 2,312 | 3255 |
| 2020Q2 | $22.5M | $19.4M | $9.5M | $-36.7k | 12.87% | 2,369 | 3284 |
| 2020Q1 | $20.7M | $17.8M | $10.0M | $-2.0k | 14.13% | 2,388 | 3313 |
| 2019Q4 | $20.4M | $17.4M | $10.3M | $24.7k | 14.39% | 2,413 | 3311 |
| 2019Q3 | $20.8M | $17.9M | $10.6M | $20.8k | 14.09% | 2,432 | 3297 |
| 2019Q2 | $20.9M | $17.9M | $10.7M | $17.8k | 14.02% | 2,458 | 3308 |
| 2019Q1 | $22.0M | $19.0M | $10.4M | $-863 | 13.22% | 2,464 | 3253 |
| 2018Q4 | $21.4M | $18.4M | $10.3M | $12.1k | 13.60% | 2,485 | 3270 |
| 2018Q3 | $22.3M | $19.3M | $10.3M | $26.7k | 13.08% | 2,615 | 3240 |
| 2018Q2 | $22.7M | $19.7M | $10.2M | $10.1k | 12.80% | 2,513 | 3245 |
| 2018Q1 | $23.3M | $20.3M | $10.2M | $13.3k | 12.47% | 2,565 | 3214 |
| 2017Q4 | $22.0M | $19.0M | $9.9M | $30.7k | 13.15% | 2,594 | 3282 |
| 2017Q3 | $22.7M | $19.7M | $10.3M | $40.5k | 12.78% | 2,615 | 3261 |
| 2017Q2 | $22.7M | $19.8M | $10.5M | $26.6k | 12.72% | 2,639 | 3286 |
| 2017Q1 | $22.9M | $20.0M | $10.7M | $17.2k | 12.56% | 2,661 | 3283 |
| 2016Q4 | $22.0M | $19.1M | $11.3M | $8.1k | 13.00% | 2,705 | 3310 |
| 2016Q3 | $21.0M | $18.0M | $11.6M | $-10.6k | 13.57% | 2,714 | 3383 |
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