FIRST SOUTH FINANCIAL
Federal • Bartlett, Tennessee • Est. 1957
Quick Facts
- Charter Number
- #24963
- Type
- Federal
- Established
- 1957
- Headquarters
- Bartlett, Tennessee 38134
- Address
- 2723 Summer Oaks Dr
- Branches
- 16
- ATMs
- 15
- Members
- 71,399
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
71,399 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST SOUTH FINANCIAL |
|---|---|
| Total Assets | $828.8M |
| Members | 71,399 |
| Loans Outstanding | $474.6M |
| Shares & Deposits | $567.7M |
| Net Worth | $253.6M |
| Net Worth Ratio | 30.36% |
| Loan-to-Share Ratio | 83.6% |
| Delinquency Rate | 0.31% |
| Net Income | +$28,624,105 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
16 locations · 15 ATMs
Raleigh
3731 Austin Peay Hwy
Memphis, TN 38128
Bartlett - Administration
Main Office2723 Summer Oaks Dr
Bartlett, TN 38134
Bartlett
6471 Stage Rd Ste 100
Bartlett, TN 38134-2844
Cordova
1575 N Germantown Pkwy
Cordova, TN 38016-5966
Highland
633 S Highland St
Memphis, TN 38111-4355
Who Can Join FIRST SOUTH FINANCIAL?
Membership Type: Occupational
Membership eligibility for FIRST SOUTH FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST SOUTH FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Tennessee RankingsFrequently Asked Questions
Yes. FIRST SOUTH FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FIRST SOUTH FINANCIAL has 71,399 members and a potential membership field of 1,371,000 people.
FIRST SOUTH FINANCIAL's net worth ratio is 30.36% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 30.4%, FIRST SOUTH FINANCIAL meets this threshold.
FIRST SOUTH FINANCIAL operates 16 branch locations and has access to 15 ATMs. The main office is located at 2723 Summer Oaks Dr, Bartlett, TN 38134.
FIRST SOUTH FINANCIAL was established in 1957. It is a federal credit union chartered under charter number 24963. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST SOUTH FINANCIAL. All financial data is for informational purposes only.