Credit union call report ยท Chattanooga, TN
Southern CU Call Report
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Southern CU filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 232 filed line items, in the form's order. Dollar amounts are whole dollars as filed.
| Call report form | NCUA 5300 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| NCUA charter number | 66980 |
| Federal Reserve RSSD ID | 516592 |
The official copy: search charter number 66980 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.
Southern CU call report, Q2 2026
Statement of Financial Condition (29 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1a. Coin and Currency | AS0004 | $259K |
| 1b. Cash Items in Process of Collection | AS0005 | $3K |
| 1c. Total Cash on Hand | 730A | $262K |
| 2a. Cash on Deposit in Corporate Credit Unions | 730B1 | $827K |
| 2c. Cash on Deposit in Other Financial Institutions | 730B2 | $969 |
| 2. Cash on Deposit (total) | 730B | $828K |
| 3. Time Deposits in Banks and Credit Unions | AS0007 | $9.3M |
| 5. TOTAL CASH AND OTHER DEPOSITS | AS0009 | $10.4M |
| 12b. Perpetual Contributed Capital | 769B | $152K |
| 13. TOTAL OTHER INVESTMENTS | AS0017 | $152K |
| 15a. Number of Total Loans and Leases | 025A | 905 |
| 15b. Total Loans and Leases | 025B | $7.3M |
| 17. ACL on Loans and Leases | AS0048 | $75K |
| 19. Land and Building | 007 | $83K |
| 20. Other Fixed Assets | 008 | $9K |
| 21. NCUA Share Insurance Capitalization Deposit | 794 | $149K |
| 22d. Accrued Interest on Loans | 009A | $16K |
| 22e. Accrued Interest on Investments | 009B | $14K |
| 22f. All Other Assets | 009C | $39K |
| 22g. Total Other Assets | AS0036 | $69K |
| 23. TOTAL ASSETS | 010 | $18.1M |
| Accounts Payable and Other Liabilities | 825 | $32K |
| Member Shares of All Types | 013 | $15.9M |
| Total Shares and Deposits | 018 | $15.9M |
| Undivided Earnings | 940 | $2.2M |
| Net Income (equity) | 602 | -$62K |
| Total Net Worth | 997 | $2.1M |
| Net Worth Ratio | 998 | 11.81% |
| TOTAL LIABILITIES, SHARES, AND EQUITY | 014 | $18.1M |
Statement of Income and Expense (22 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1. Interest on Loans and Leases | 110 | $251K |
| 3. Income from Investments | 120 | $120K |
| 5. TOTAL INTEREST INCOME | 115 | $371K |
| 6. Dividends on Shares | 380 | $18K |
| 7. Interest on Deposits | 381 | $79K |
| 9. TOTAL INTEREST EXPENSE | 350 | $97K |
| 10. NET INTEREST INCOME | IS0010 | $273K |
| 12a. Credit Loss Expense - Loans and Leases | IS0011 | $32K |
| 12e. Total Credit Loss Expense | IS0017 | $32K |
| 13. Fee Income | 131 | $29K |
| 14. Other Operating Income | IS0020 | $7K |
| 23. TOTAL NON-INTEREST INCOME | 117 | $36K |
| 24. Employee Compensation and Benefits | 210 | $177K |
| 26. Office Occupancy | 250 | $22K |
| 27. Office Operations | 260 | $59K |
| 28. Educational and Promotional | 270 | $2K |
| 29. Loan Servicing | 280 | $27K |
| 30. Professional and Outside Services | 290 | $45K |
| 32. Operating Fees | 320 | $3K |
| 33. Miscellaneous Operating Expense | 360 | $5K |
| 34. TOTAL NON-INTEREST EXPENSE | 671 | $340K |
| 35. NET INCOME | 661A | -$62K |
Statement pages - all other filed accounts (22 items)
delinquency (21%), credit cards (21%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent | 020B | $105K |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent | 021B | $56K |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent | 022B | $25K |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent | 023B | $6K |
| Loans Granted Year-to-Date | 031A | $208 |
| Amount of Loans Granted Year-to-Date | 031B | $1.9M |
| Total Amount of Delinquent Loans & Leases (Two or more months) | 041B | $254K |
| Number of current members (not number of accounts) | 083 | 1,606 |
| Number of potential members | 084 | 2,000 |
| Interest Rate of Unsecured Credit Card Loans | 521 | 1,200.00% |
| Interest Rate of All Other Unsecured Loans/Lines of Credit | 522 | 900.00% |
| Interest Rate of New Vehicle Loans | 523 | 600.00% |
| Interest Rate of Used Vehicle Loans | 524 | 700.00% |
| Total Amount of All Loans Charged Off Year-to-Date | 550 | $15K |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Loans | 551 | $1K |
| Amount of Regular Shares | 657 | $6.8M |
| Amount of Share Drafts | 902 | $2.8M |
| IRA/KEOGH Accounts - < 1 Year | 906A | $751K |
| Share Certificates - < 1 Year | 908A | $3.9M |
| Total Amount of Share Certificates | 908C | $4.2M |
| Total Amount of Money Market Shares | 911 | $1.1M |
| Number of Used Vehicle Loans | 968 | 261 |
NCUA data file FS220A (21 items)
loans and leases (25%), income and expense (25%), shares and deposits (19%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Shares - < 1 Year | 013A | $15.4M |
| Total Shares - 1-3 Years | 013B1 | $272K |
| Total Shares - > 3 Years | 013B2 | $241K |
| Total Shares and Deposits - < 1 Year | 018A | $15.4M |
| Total Shares and Deposits - 1-3 Years | 018B1 | $272K |
| Total Shares and Deposits - > 3 Years | 018B2 | $241K |
| Number of Total Delinquent Loans & Leases (Two or more months) | 041A | 24 |
| Effective date of last audit | 063 | $122K |
| Amount of Used Vehicle Loans | 370 | $4.5M |
| Amount of New Vehicle Loans | 385 | $588K |
| Amount of Unsecured Credit Card Loans | 396 | $248K |
| Amount of All Other Unsecured Loans/Lines of Credit | 397 | $874K |
| Share Certificates | 451 | $155 |
| Number of Accounts for Share Drafts | 452 | 553 |
| IRA/KEOGH Accounts | 453 | $49 |
| Number of Accounts for Regular Shares | 454 | 1,799 |
| Money Market Shares | 458 | $45 |
| Number of Accounts for Total Shares and Deposits (Sum of items 15-16) | 460 | 2,601 |
| Number of credit union employees who are Full-Time (26 hours or more) | 564A | 4 |
| Number of credit union employees who are Part-Time (25 hours or less per week) | 564B | 1 |
| Total credit lines | 881 | $2.0M |
NCUA data file FS220B (21 items)
maturity and repricing buckets (40%), credit cards (17%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Number - Total Delinquent Credit Card Loans | 045A | 2 |
| Total Amount of Delinquent Unsecured Credit Card Loans | 045B | $5K |
| Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) | 065A4 | $1.0M |
| Total Uninsured Shares and Deposits > $250K (F+J) | 068A | $1.0M |
| Total Insured Shares and Deposits > $250K (item 17 less item K) | 069A | $14.9M |
| Effective date of the most recent Supervisory Committee verification of Member's accounts | 603 | $122K |
| Amount of Regular Shares - < 1 Year | 657A | $6.8M |
| Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date | 680 | $6K |
| Amount of Share Drafts - < 1 Year | 902A | $2.8M |
| IRA/KEOGH Accounts - 1-3 Years | 906B1 | $120K |
| IRA/KEOGH Accounts - > 3 Years | 906B2 | $71K |
| Total Amount of IRA/KEOGH Accounts | 906C | $942K |
| Share Certificates - 1-3 Years | 908B1 | $152K |
| Share Certificates - > 3 Years | 908B2 | $170K |
| Money Market Shares - < 1 Year | 911A | $1.1M |
| Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 956 | $214K |
| Number of New Vehicle Loans | 958 | 37 |
| Total Shares | 966 | $3K |
| Number of Unsecured Credit Card Loans | 993 | 262 |
| Number of All Other Unsecured Loans/Lines of Credit | 994 | 306 |
| Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 995 | 10 |
NCUA data file FS220C (5 items)
charge-offs and recoveries (27%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records | 064 | $4 |
| Total Amount of All Participation Loans Charged Off Year-to-Date | 550F | $128 |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans | 551F | $19 |
| Number of credit union branches (include the main office if member services are conducted at that location) | 566 | 1 |
| Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 | 638 | $1.7M |
NCUA data file FS220D (19 items)
member services and products offered (69%), CUSO relationships (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| No Cost Share Drafts | 879A4 | $1 |
| Share Certificates with Low Minimum Balance Requirements | 879A5 | $1 |
| Financial Counseling | 879B1 | $1 |
| Financial Education | 879B2 | $1 |
| No Cost Bill Payer | 879C2 | $1 |
| Low-cost wire transfers | 879W | $1 |
| Member Application | 887A | $1 |
| Loan Application | 887B | $1 |
| New Share Account | 887E | $1 |
| Loan Payments | 887F | $1 |
| Bill Payment | 887J | $1 |
| e-Statements | 887R | $1 |
| MobilePmts | 887V | $1 |
| Informational Website | PI0007 | $1 |
| Mobile Application | PI0008 | $1 |
| Online Banking | PI0009 | $1 |
| Person-to-Person | PI0011 | $1 |
| Offer Custodial Accounts | PP0032 | $1 |
| Does the CU offer an ATM Network that is surcharge free? | PP0034 | $1 |
NCUA data file FS220G (3 items)
loans and leases (32%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Outstanding Amount of Participation Loans Purchased By Type | 691L | $117K |
| Outstanding Amount of Real Estate Participation Loans Purchased | 691L2 | $117K |
| Total Credit Lines at Corporate Credit Unions | 884 | $2.0M |
NCUA data file FS220H (1 item)
student loans (43%), delinquency (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Unfunded Commitments for all loan types | 816A | $508K |
NCUA data file FS220I (11 items)
vehicle lending (59%), delinquency (44%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of New Vehicle Loans Delinquent 30 to 59 days | 020C1 | $26K |
| Amount of Used Vehicle Loans Delinquent 30 to 59 days | 020C2 | $79K |
| Amount of New Vehicle Loans Delinquent 60 to 179 days | 021C1 | $29K |
| Amount of Used Vehicle Loans Delinquent 60 to 179 days | 021C2 | $19K |
| Amount of Used Vehicle Loans Delinquent 180 to 359 days | 022C2 | $14K |
| Number of Reportable Delinquent New Vehicle Loans | 035E1 | 3 |
| Number of Reportable Delinquent Used Vehicle Loans | 035E2 | 8 |
| Amount of Reportable Delinquent New Vehicle Loans | 041C1 | $86K |
| Amount of Reportable Delinquent Used Vehicle Loans | 041C2 | $85K |
| Amount of Used Vehicle Loans YTD Charge Offs | 550C2 | $4K |
| Amount of Used Vehicle Loans YTD Recoveries | 551C2 | $900 |
NCUA data file FS220L (6 items)
commercial and business lending (90%), participation loans (36%), real estate lending (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Number of Loans & Leases on Loan Schedule | 025A1 | $905 |
| Total Amount of Loans & Leases on Loan Schedule | 025B1 | $7.3M |
| Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 563A | 725.00% |
| Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit | 595B | 500.00% |
| Amount of All Other Secured Non-Real Estate Loans/Lines of Credit | 698C | $245K |
| Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 703A | $852K |
NCUA data file FS220M (4 items)
commercial and business lending (89%), real estate lending (26%), participation loans (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Unfunded Commitments for Credit Card Lines (Non-Commercial) | 812C | $508K |
| Total Unfunded Commitments for Non-Commercial Loans | 816T | $508K |
| Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 959A | 12 |
| Number of All Other Secured Non-Real Estate Loans/Lines of Credit | 963C | 27 |
NCUA data file FS220N (3 items)
investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Liabilities | LI0069 | $15.9M |
| (CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses | NW0002 | $7K |
| Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility | NW0010 | $18.1M |
NCUA data file FS220P (17 items)
commercial and business lending (52%), delinquency (49%), real estate lending (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit | CH0007 | $5K |
| Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit | CH0008 | $219 |
| Unsecured Credit Card Loans | DL0002 | $5K |
| All Other Unsecured Loans/Lines of Credit | DL0023 | $19K |
| All Other Unsecured Loans/Lines of Credit | DL0024 | $8K |
| All Other Unsecured Loans/Lines of Credit | DL0025 | $11K |
| All Other Unsecured Loans/Lines of Credit | DL0026 | $6K |
| All Other Unsecured Loans/Lines of Credit | DL0027 | $44K |
| All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans | DL0028 | $10 |
| New Vehicle Loans | DL0030 | $58K |
| Used Vehicle Loans | DL0037 | $52K |
| Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0058 | $34K |
| Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0062 | $34K |
| Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0063 | $1 |
| Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases | DL0141 | $167K |
| Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 | DL0142 | $24 |
| Amount of Consumer Loans in Non-Accrual Status | DL0145 | $3K |
NCUA data file FS220Q (18 items)
investment portfolio detail (69%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Investment Maturity Distribution - Time Deposits - <=1 Year | NV0111 | $6.1M |
| Investment Maturity Distribution - Time Deposits - >1-3 Years | NV0112 | $1.4M |
| Investment Maturity Distribution - Time Deposits - >3-5 Years | NV0113 | $1.7M |
| Investment Maturity Distribution - Time Deposits - Total | NV0116 | $9.3M |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years | NV0145 | $152K |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total | NV0146 | $152K |
| Investment Maturity Distribution - Total Investment Securities - <=1 Year | NV0153 | $6.1M |
| Investment Maturity Distribution - Total Investment Securities - >1-3 Years | NV0154 | $1.4M |
| Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years | NV0155 | $1.7M |
| Investment Maturity Distribution - Total Investment Securities - > 10 Years | NV0157 | $152K |
| Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) | NV0158 | $9.4M |
| RBC Total Equity | RB0001 | $2.1M |
| RBC Allowance for Credit Losses | RB0002 | $75K |
| RBC Total Additions | RB0005 | $75K |
| RBC Total Deductions | RB0009 | $149K |
| RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction | RB0010 | $2.1M |
| RBC Risk-Based Capital Numerator | RB0012 | $2.1M |
| Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other | SL0056 | $89 |
NCUA data file FS220R (27 items)
risk-based capital and leverage ratio (68%), real estate lending (28%)
| Line item | Account | Q2 2026 |
|---|---|---|
| RBC Schedule Total Investments | RB0039 | $152K |
| RBC Schedule Total Consumer Loans | RB0060 | $6.5M |
| RBC Total for Risk Weighting Allowance for Credit Losses (Loans) | RB0077 | $75K |
| RBC Allowance for Credit Losses (Loans) 0% Weight | RB0078 | $75K |
| RBC Schedule Total Loans | RB0079 | $7.2M |
| RBC Total for Risk Weighting Total Loans | RB0081 | -$75K |
| RBC Total Loans 0% Weight | RB0082 | -$75K |
| RBC Schedule Total Other Assets | RB0088 | $311K |
| RBC Total for Risk Weighting Other Assets | RB0090 | $149K |
| RBC Other Assets 0% Weight | RB0091 | $149K |
| RBC Total from Schedule On-Balance Sheet Assets | RB0099 | $18.1M |
| RBC Total Adjustments to Schedule On-Balance Sheet Assets | RB0100 | $74K |
| RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight | RB0101 | $74K |
| RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts | RB0170 | $18.1M |
| RBC Allowance for Credit Losses (Loans) | RB0177 | $75K |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less | RL0004 | 12.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less | RL0005 | 851,668.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less | RL0006 | 259,250.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total | RL0016 | $852K |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total | RL0017 | $259K |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding | RL0046 | $12 |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding | RL0047 | $852K |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD | RL0048 | $259K |
| Total Shares | SH0013 | $15.9M |
| Total Shares and Deposits | SH0018 | $15.9M |
| Number of Outstanding Loans Purchased from Other Financial Institutions | SL0018 | 16 |
| Amount of Outstanding Loans Purchased from Other Financial Institutions | SL0019 | $117K |
NCUA data file FS220S (3 items)
member services and products offered (29%), HMDA and entity identifiers (24%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Does the CU use financial technology companies to provide member services? | PP0037 | $1 |
| Person-to-Person payments | PP0045 | $1 |
| Communication | PP0047 | $1 |
Southern CU call reports on file
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Southern CU call report?
The Southern CU call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.
What call report does Southern CU file?
Southern CU files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.
What is the Southern CU call report number?
A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Southern CU is 66980.
How often does Southern CU file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31.
Southern CU financials and ratios →
New to the 5300? What the NCUA 5300 call report is.