ONE SOUTH
Federal • NATCHEZ, Mississippi • Est. 1953
Quick Facts
- Charter Number
- #8840
- Type
- Federal
- Established
- 1953
- Headquarters
- NATCHEZ, Mississippi 39120-4195
- Address
- 148 N SHIELDS LN
- Branches
- 2
- ATMs
- 1
- Members
- 2,832
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
2,832 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ONE SOUTH |
|---|---|
| Total Assets | $16.8M |
| Members | 2,832 |
| Loans Outstanding | $8.5M |
| Shares & Deposits | $13.9M |
| Net Worth | $3.5M |
| Net Worth Ratio | 21.02% |
| Loan-to-Share Ratio | 61.2% |
| Delinquency Rate | 4.11% |
| Net Income | +$281,205 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Corporate office
Main Office148 N SHIELDS LN
NATCHEZ, MS 39120-4195
FISERV
2601 NETWORK BLVD STE 600
FRISCO, TX 75034
Who Can Join ONE SOUTH?
Membership Type: Community
Membership eligibility for ONE SOUTH may vary. Contact the credit union directly to confirm qualification requirements.
Contact ONE SOUTH directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Mississippi RankingsFrequently Asked Questions
Yes. ONE SOUTH 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, ONE SOUTH has 2,832 members and a potential membership field of 5,000 people.
ONE SOUTH's net worth ratio is 21.02% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 21.0%, ONE SOUTH meets this threshold.
ONE SOUTH operates 2 branch locations and has access to 1 ATMs. The main office is located at 148 N SHIELDS LN, NATCHEZ, MS 39120-4195.
ONE SOUTH was established in 1953. It is a federal credit union chartered under charter number 8840. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ONE SOUTH. All financial data is for informational purposes only.