SOUTHERN
State-Chartered • Chattanooga, Tennessee • Est. 1943
Quick Facts
- Charter Number
- #66980
- Type
- State-Chartered
- Established
- 1943
- Headquarters
- Chattanooga, Tennessee 37404-2830
- Address
- 508 National Ave
- Branches
- 1
- Members
- 1,632
- Membership Type
- Community
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 7% and a delinquency rate below 2%. 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
1,632 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERN |
|---|---|
| Total Assets | $18.2M |
| Members | 1,632 |
| Loans Outstanding | $7.3M |
| Shares & Deposits | $16.0M |
| Net Worth | $2.2M |
| Net Worth Ratio | 11.93% |
| Loan-to-Share Ratio | 45.5% |
| Delinquency Rate | 1.55% |
| Net Income | $-23,889 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location
Southern Credit Union
Main Office508 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.
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
SOUTHERN 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, SOUTHERN has 1,632 members and a potential membership field of 2,000 people.
SOUTHERN's reported net worth ratio is 11.93% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SOUTHERN operates 1 branch location. The main office is located at 508 National Ave, Chattanooga, TN 37404-2830.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERN. All financial data is for informational purposes only.