First South Financial Federal Credit Union
Total assets
$834.5M
▲ +5.1% YoY
Shares & deposits
$571.8M
▲ +4.1% YoY
Loans
$475.6M
▼ -7.0% YoY
Members
71,340
▼ -0.7% YoY
ROA (annualized)
1.86%
peers 0.62%
ROE (annualized)
6.19%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.8% | +0.4 pts |
| Share growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| Loan growth (YoY) | -7.0% | +4.3% | -11.3 pts |
| ROA | 1.86% | 0.62% | +1.2 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2723 Summer Oaks Dr, Bartlett, TN, 38134
- NCUA charter #
- 24963
- RSSD ID
- 675480
- Latest call report
- Q1 2026
Total assets last 7 quarters
Members last 7 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $834.5M | $571.8M | $475.6M | $250.9M | $3.9M | 1.86% | 3.86% | 0.26% | 71,340 |
| Q4 2025 | $828.8M | $567.7M | $474.6M | $253.6M | $18.4M | 2.22% | 4.14% | 0.31% | 71,399 |
| Q3 2025 | $809.1M | $554.3M | $483.2M | $249.3M | $14.0M | 2.31% | 4.25% | 0.42% | 71,826 |
| Q2 2025 | $801.9M | $552.4M | $499.2M | $244.6M | $9.3M | 2.32% | 4.17% | 0.28% | 71,808 |
| Q1 2025 | $793.7M | $549.1M | $511.4M | $239.6M | $4.4M | 2.22% | 4.06% | 0.38% | 71,829 |
| Q4 2024 | $768.8M | $528.4M | $520.0M | $242.0M | $19.9M | 2.59% | 4.31% | 0.47% | 71,877 |
| Q3 2024 | $758.5M | $522.5M | $525.8M | $237.0M | $14.9M | 2.62% | 4.34% | 0.33% | 72,145 |
Loan mix (Q1 2026): real estate $228.3M · commercial $5.0M · consumer $239.1M · securities $11.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 0.62% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.48% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 78.3% | 3th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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