Southern CU Chattanooga, Tennessee
Southern CU is a state-chartered credit union headquartered in Chattanooga, TN, established in 1933 (NCUA charter 66980), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,606 members and total assets of $18.1M (down 10.1% from Q2 2025), the 90th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 11.81% at Q2 2026, in the well capitalized band.
BankRegReports is independent of Southern CU and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66980
- Headquarters
- Chattanooga, TN
- Established
- 1933
- Total assets, Q2 2026
- $18.1M
- Assets vs Q2 2025
- -10.1%
- Members, Q2 2026
- 1,606
- Net worth ratio, Q2 2026
- 11.81%
- Latest call report
- Q2 2026, NCUA 5300 · Southern CU call report
- Asset rank in state
- 90th of 123 in Tennessee
- Routing number
- 261388888
- Branches
- 1
It has 105 fewer members than on June 30, 2025 (-6.1%). Its net worth ratio was up 0.68 percentage points from 11.13% on June 30, 2025. Used vehicle loans are its largest loan category, $4.5M of $7.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.48% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.81% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about Southern CU
How big is Southern CU?
At Q2 2026 it reported total assets of $18.1M and 1,606 members.
Where is Southern CU headquartered?
It is headquartered in Chattanooga, TN, United States.
When was Southern CU founded?
It was established in 1933, per NCUA records.
Is Southern CU FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66980): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Southern CU?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Southern CU well capitalized?
Its net worth ratio was 11.81% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Southern CU's delinquency ratio?
Its delinquency ratio was 3.48% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Southern CU's loan-to-share ratio?
Its loan-to-share ratio was 45.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chattanooga, TN 37404
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1933
- NCUA Charter #
- 66980
- RSSD ID
- 516592
- Members
- 1,606
- Potential members
- 2,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.81% | 14.31% | 30th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.84% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -7.16% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.02% | 3.93% | 17th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 112.01% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.09% | 0.78% | 33rd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.48% | 0.86% | 13th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.10% | 4.70% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 45.95% | 58.92% | 30th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$18.1M total assets against $20.1M; $15.9M total shares and deposits against $17.8M; $7.3M total loans against $7.9M.
$2.1M net worth against $2.2M.
11.81% net worth ratio against 11.13%.
45.95% loan-to-share ratio against 44.25%.
3.48% delinquency ratio against 2.11%.
-0.84% return on assets against -0.93%; -7.16% return on equity against -8.39%.
3.02% net interest margin against 2.79%.
1,606 members against 1,711.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.81% | -0.84% | 3.48% | 45.95% |
| March 31, 2026 | 11.93% | -0.52% | 1.55% | 45.50% |
| December 31, 2025 | 11.75% | -0.74% | 2.68% | 45.83% |
| September 30, 2025 | 11.65% | -0.13% | 2.78% | 45.53% |
| June 30, 2025 | 11.13% | -0.93% | 2.11% | 44.25% |
| March 31, 2025 | 11.00% | -0.27% | 2.07% | 45.24% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.