Credit union · NCUA insured
Southern CU
A $18.2M credit union headquartered in Chattanooga, TN, with 1,632 members and 1 branch in Tennessee. Best rates: CDs 3.56% and savings 0.80% APY.
Southern CU Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#16 of 28 in Chattanooga, TN-GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern CU
- Headquarters
- 508 National Ave, Chattanooga, TN 37404-2830
- NCUA charter
- 66980
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Southern Credit UnionMain office508 National Ave, Chattanooga, TN 37404Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.81% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.48% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.68% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio11.81%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.48%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.68%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Southern CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.