CU Explorer
Credit unions · Tennessee · Q2 2026

Southern CU

Credit union in Chattanooga, TN · NCUA charter #66980 · State charter (federally insured)

Legal name: Southern

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$18.1M
Total loans & leases$7.3M
Total shares & deposits$15.9M
Members1,606
Net worth$2.1M
Net worth / assets11.81%
Loans / assets40.44%
Return on assets (annualized)−0.69%
Loan growth (YoY)−7.39%
Member growth (YoY)−6.14%
Delinquency, all loans (60+ days)3.48%
CharterState charter (federally insured)
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeManufacturing (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-23. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech P2P payments, fintech for communication / chat, online membership application, online loan application, online account opening, online loan payments, bill payment, e-Statements, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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