Headquartered in Franklin, Tennessee, Southeast Financial Credit Union is a federally insured state-chartered credit union with $466.8M in total assets and $429.1M in member shares and deposits as of Q2 2026. It operates 12 offices across 3 states. Its charter dates back to 1936.
Southeast Financial Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 113th. Problem-loan coverage contributes the most (81/100, 9.3%); capital cushion contributes the least (30/100, 7.98%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (50 → 52), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 55 |
| Q4 2024 | 54 |
| Q1 2025 | 52 |
| Q2 2025 | 50 |
| Q3 2025 | 48 |
| Q4 2025 | 51 |
| Q1 2026 | 51 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.86% |
| Q3 2024 | 8.01% |
| Q4 2024 | 8.01% |
| Q1 2025 | 7.81% |
| Q2 2025 | 7.85% |
| Q3 2025 | 7.84% |
| Q4 2025 | 7.90% |
| Q1 2026 | 7.74% |
| Q2 2026 | 7.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.95% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.85% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.16% |
| Q1 2025 | -0.23% |
| Q2 2025 | -0.07% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $466.8M | 7.98% | 0.85% | 0.29% | 86.7% |
| Q1 2026 | 51 | $474.1M | 7.74% | 0.77% | 0.07% | 86.6% |
| Q4 2025 | 51 | $463.7M | 7.90% | 0.65% | 0.01% | 89.4% |
| Q3 2025 | 48 | $468.2M | 7.84% | 0.95% | 0.03% | 91.6% |
| Q2 2025 | 50 | $464.3M | 7.85% | 0.69% | -0.07% | 91.2% |
| Q1 2025 | 52 | $465.5M | 7.81% | 0.46% | -0.23% | 87.6% |
| Q4 2024 | 54 | $457.3M | 8.01% | 0.56% | 0.16% | 89.5% |
| Q3 2024 | 55 | $459.3M | 8.01% | 0.48% | 0.26% | 90.6% |
| Q2 2024 | 55 | $466.3M | 7.86% | 0.53% | 0.33% | 90.6% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Memphis City Employees Credit UnionCredit union Memphis, TN | 81 out of 100, Strong | $502.5M | 14.5% | 0.63% | vs |
| Comtrust Federal Credit UnionCredit union Chattanooga, TN | 74 out of 100, Strong | $429.7M | 11.4% | 0.41% | vs |
| Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN | 84 out of 100, Strong | $426.9M | 13.9% | 1.05% | vs |
| Ten Credit UnionCredit union Nashville, TN | 62 out of 100, Moderate | $392.0M | 8.6% | 0.21% | vs |
| U. T. Federal Credit UnionCredit union Knoxville, TN | 65 out of 100, Moderate | $553.9M | 9.7% | 0.19% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
Deposit insurance
Is my money safe at Southeast Financial Credit Union?
Yes. Southeast Financial Credit Union is a federally insured credit union (NCUA charter #68599). 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 8.2% of shares and deposits ($35.0M) 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 7.98%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
12 locations
Branches
Southeast Financial Credit Union lists 12 offices in 11 cities across 3 states. Most locations:
- Nashville, TN (2)
- Bowling Green, KY (1)
- Brentwood, TN (1)
- Chattanooga, TN (1)
- Corinth, MS (1)
- Franklin, TN (1)
- Germantown, TN (1)
- Goodlettsville, TN (1)
- Jackson, TN (1)
- Knoxville, TN (1)
- La Vergne, TN (1)
Identity & history
Profile
- Legal name
- Southeast Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68599
- RSSD ID
- 456894
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- 220 South Royal Oaks, Franklin, TN 37064
- Employees
- 132
Quick answers
Southeast Financial Credit Union: common questions
Is Southeast Financial Credit Union NCUA insured?
Yes. Southeast Financial Credit Union is a federally insured credit union (NCUA charter #68599). 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 Southeast Financial Credit Union's TellerScore?
52 out of 100 (Below average), 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 Southeast Financial Credit Union have?
12 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Franklin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |