SOUTHERN
State-Chartered • Chattanooga, Tennessee • Est. 1943
Quick Facts
- Charter Number
- #66980
- Type
- State-Chartered
- Established
- 1943
- Headquarters
- Chattanooga, Tennessee 37404
- Address
- P.O. Box 3490
- Branches
- 2
- Members
- 1,642
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
1,642 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERN |
|---|---|
| Total Assets | $18.7M |
| Members | 1,642 |
| Loans Outstanding | $7.5M |
| Shares & Deposits | $16.4M |
| Net Worth | $2.2M |
| Net Worth Ratio | 11.75% |
| Loan-to-Share Ratio | 45.8% |
| Delinquency Rate | 2.68% |
| Net Income | $-61,373 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Main Office
Main Office508 National Ave
Chattanooga, TN 37404
Southern Credit Union
508 National Ave
Chattanooga, TN 37404-2830
Who Can Join SOUTHERN?
Membership Type: Community
Membership eligibility for SOUTHERN may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHERN 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. SOUTHERN 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, SOUTHERN has 1,642 members and a potential membership field of 2,000 people.
SOUTHERN's net worth ratio is 11.75% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.8%, SOUTHERN meets this threshold.
SOUTHERN operates 2 branch locations. The main office is located at 508 National Ave, Chattanooga, TN 37404.
SOUTHERN was established in 1943. It is a state-chartered credit union chartered under charter number 66980. The institution has been serving members for 83 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERN. All financial data is for informational purposes only.