TellerScore

Southern Security Federal Credit Union (NCUA charter #5974) is based in Collierville, Tennessee. Its Q2 2026 call report shows $251.9M in total assets and $226.2M in member shares and deposits and 5 offices across 2 states.

Southern Security Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 114th. Funding & liquidity contributes the most (80/100, 81% loans-to-deposits, 6% uninsured); earnings contributes the least (27/100, 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.11%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.72%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity80/100
Loans ÷ shares: 80.6% · 5.9% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.99%

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 fell 2 points (53 → 51), mostly because the earnings component weakened by 14 points.

TellerScore
475257Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202450
Q4 202447
Q1 202551
Q2 202553
Q3 202555
Q4 202557
Q1 202657
Q2 202651
Net worth ratio
7.00%8.65%10.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.62%
Q3 20249.84%
Q4 202410.14%
Q1 202510.05%
Q2 20259.94%
Q3 202510.07%
Q4 202510.30%
Q1 202610.25%
Q2 202610.11%
Delinquent loans (60+ days)
1.42%1.99%2.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.74%
Q3 20242.26%
Q4 20242.57%
Q1 20252.03%
Q2 20251.84%
Q3 20251.56%
Q4 20251.48%
Q1 20261.42%
Q2 20261.72%
Return on assets
0.17%0.39%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.61%
Q4 20240.61%
Q1 20250.49%
Q2 20250.53%
Q3 20250.56%
Q4 20250.58%
Q1 20260.47%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$251.9M10.11%1.72%0.17%80.6%
Q1 202657$249.1M10.25%1.42%0.47%80.8%
Q4 202557$244.9M10.30%1.48%0.58%81.5%
Q3 202555$246.9M10.07%1.56%0.56%81.3%
Q2 202553$246.2M9.94%1.84%0.53%77.1%
Q1 202551$240.0M10.05%2.03%0.49%74.0%
Q4 202447$234.9M10.14%2.57%0.61%73.7%
Q3 202450$238.7M9.84%2.26%0.61%70.5%
Q2 202454$239.6M9.62%1.74%0.55%69.8%

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 ratio10.11%
30th
Problem loans1.72%
10th
Net charge-offs0.39%
47th
Return on assets0.17%
10th
Loans to deposits80.6%
39th
Uninsured deposits5.9%
49th
Loan-loss reserves0.00%
50th
Texas ratio13.0%
7th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
United Southeast Federal Credit UnionCredit union Bristol, TN78 out of 100, Strong$256.0M13.5%0.40%vs
Knoxville Teachers Federal Credit UnionCredit union Knoxville, TN66 out of 100, Moderate$259.3M10.6%0.56%vs
Bowater Employees Credit UnionCredit union Calhoun, TN75 out of 100, Strong$302.6M10.8%0.74%vs
Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN76 out of 100, Strong$199.2M12.0%0.28%vs
Northeast Community Credit UnionCredit union Elizabethton, TN78 out of 100, Strong$194.2M16.8%1.64%vs
Employee Resources Credit UnionCredit union Lawrenceburg, TN62 out of 100, Moderate$185.5M9.5%0.58%vs

Deposit insurance

Is my money safe at Southern Security Federal Credit Union?

Yes. Southern Security Federal Credit Union is a federally insured credit union (NCUA charter #5974). 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 5.9% of shares and deposits ($13.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Southern Security Federal Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Southern Security Rewards VISA13.75% – 18.00%$0$251.1%

All Southern Security Federal Credit Union card terms

Identity & history

Profile

Legal name
Southern Security Federal Credit Union
Type
Federal credit union
NCUA charter #
5974
RSSD ID
378875
Primary regulator
NCUA
Established
1949
Headquarters
P O Box 310, Collierville, TN 38027
Employees
63

Quick answers

Southern Security Federal Credit Union: common questions

Is Southern Security Federal Credit Union NCUA insured?

Yes. Southern Security Federal Credit Union is a federally insured credit union (NCUA charter #5974). 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 Southern Security Federal Credit Union's TellerScore?

51 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 Southern Security Federal Credit Union have?

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

Nearby

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