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
- 71,340
- Membership Type
- Occupational
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
71,340 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST SOUTH FINANCIAL |
|---|---|
| Total Assets | $834.5M |
| Members | 71,340 |
| Loans Outstanding | $475.6M |
| Shares & Deposits | $571.8M |
| Net Worth | $250.9M |
| Net Worth Ratio | 30.07% |
| Loan-to-Share Ratio | 83.2% |
| Delinquency Rate | 0.25% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Tennessee
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Tennessee RankingsFrequently Asked Questions
FIRST SOUTH FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FIRST SOUTH FINANCIAL has 71,340 members and a potential membership field of 1,374,000 people.
FIRST SOUTH FINANCIAL's reported net worth ratio is 30.07% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FIRST SOUTH FINANCIAL. All financial data is for informational purposes only.