Credit union · NCUA insured
First South Financial
A $834.5M credit union headquartered in Bartlett, TN, with 71,340 members and 15 branches in 2 states. Best rates: CDs 3.03% and savings 0.80% APY.
First South Financial Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#11 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First South Financial
- Headquarters
- 2723 Summer Oaks Dr, Bartlett, TN 38134
- NCUA charter
- 24963
Branches
15 branches in 2 states
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Tennessee
14 branches
Memphis area · 11
- Atoka/Munford Branch11624 Highway 51 S, Atoka, TN 38004Directions
- Bartlett6471 Stage Rd Ste 100, Bartlett, TN 38134Directions
- Collierville638 S Byhalia Rd, Collierville, TN 38017Directions
- Cordova1575 N Germantown Pkwy, Cordova, TN 38016Directions
- Highland633 S Highland St, Memphis, TN 38111Directions
- Madison1940 Madison Ave, Memphis, TN 38104Directions
- Raleigh3731 Austin Peay Hwy, Memphis, TN 38128Directions
- St Jude262 Danny Thomas Pl, Memphis, TN 38105Directions
- Whitehaven1250 E Shelby Dr, Memphis, TN 38116Directions
- Winchester7166 Winchester Rd, Memphis, TN 38125Directions
- Millington7792 Church St, Millington, TN 38053Directions
Dyersburg area · 1
- Dyersburg230 Community Park Rd, Dyersburg, TN 38024Directions
Jackson area · 1
- Jackson10 Channing Way, Jackson, TN 38305Directions
Nashville area · 1
- North Nashville1211 51st Ave N, Nashville, TN 37209Directions
Mississippi
1 branch
- Southaven185 Goodman Rd W, Southaven, MS 38671Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 30.23% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.22% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio30.23%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.22%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.99%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First South Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.