TellerScore

First South Financial Federal Credit Union is a federal credit union headquartered in Bartlett, Tennessee, in business for about 69 years. At the end of Q2 2026 it reported $844.8M in total assets and $576.4M in member shares and deposits, with 14 offices across 2 states.

Based on its Q2 2026 filing, First South Financial Federal Credit Union scores 95/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 6th. Its strongest component is capital cushion (100/100; 30.23%), and its lowest is funding & liquidity (77/100; 83% loans-to-deposits, 12% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 30.23%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings99/100
Return on assets (annualized): 1.97%
Funding & liquidity77/100
Loans ÷ shares: 83.0% · 12.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

8 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (93 → 95), mostly because the funding & liquidity component improved by 7 points.

TellerScore
909395Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
Show as table
QuarterTellerScore
Q3 202491
Q4 202490
Q1 202592
Q2 202593
Q3 202592
Q4 202594
Q1 202693
Q2 202695
Net worth ratio
7.00%18.97%30.94%well-capitalized benchmarkQ3 2024Q1 2025Q3 2025Q1 2026Q2 2026
Show as table
QuarterNet worth ratio
Q3 202430.71%
Q4 202430.94%
Q1 202529.94%
Q2 202530.25%
Q3 202530.56%
Q4 202530.36%
Q1 202630.07%
Q2 202630.23%
Delinquent loans (60+ days)
0.22%0.35%0.47%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q3 20240.33%
Q4 20240.47%
Q1 20250.38%
Q2 20250.28%
Q3 20250.42%
Q4 20250.31%
Q1 20260.25%
Q2 20260.22%
Return on assets
1.86%2.24%2.62%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
Show as table
QuarterReturn on assets
Q3 20242.62%
Q4 20242.59%
Q1 20252.22%
Q2 20252.32%
Q3 20252.31%
Q4 20252.22%
Q1 20261.86%
Q2 20261.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$844.8M30.23%0.22%1.97%83.0%
Q1 202693$834.5M30.07%0.25%1.86%83.2%
Q4 202594$828.8M30.36%0.31%2.22%83.6%
Q3 202592$809.1M30.56%0.42%2.31%87.2%
Q2 202593$801.9M30.25%0.28%2.32%90.4%
Q1 202592$793.7M29.94%0.38%2.22%93.1%
Q4 202490$768.8M30.94%0.47%2.59%98.4%
Q3 202491$758.5M30.71%0.33%2.62%100.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio30.23%
100th
Problem loans0.22%
88th
Net charge-offs0.91%
12th
Return on assets1.97%
97th
Loans to deposits83.0%
33rd
Uninsured deposits12.3%
10th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Fortera Federal Credit UnionCredit union Clarksville, TN78 out of 100, Strong$946.7M12.7%0.65%vs
Enrichment Federal Credit UnionCredit union Oak Ridge, TN80 out of 100, Strong$984.4M12.2%0.37%vs
Resound Credit UnionCredit union Nashville, TN67 out of 100, Moderate$704.4M10.6%0.68%vs
Consumer Credit UnionCredit union Greeneville, TN75 out of 100, Strong$660.5M10.7%0.10%vs
Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN77 out of 100, Strong$641.1M14.2%1.04%vs
U. T. Federal Credit UnionCredit union Knoxville, TN65 out of 100, Moderate$553.9M9.7%0.19%vs

Deposit insurance

Is my money safe at First South Financial Federal Credit Union?

Yes. First South Financial Federal Credit Union is a federally insured credit union (NCUA charter #24963). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.3% of shares and deposits ($70.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 30.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

First South Financial Federal Credit Union lists 14 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First South Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
24963
RSSD ID
675480
Primary regulator
NCUA
Established
1957
Headquarters
2723 Summer Oaks Dr, Bartlett, TN 38134
Employees
132

Quick answers

First South Financial Federal Credit Union: common questions

Is First South Financial Federal Credit Union NCUA insured?

Yes. First South Financial Federal Credit Union is a federally insured credit union (NCUA charter #24963). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is First South Financial Federal Credit Union's TellerScore?

95 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First South Financial Federal Credit Union have?

14 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bartlett

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs