C
Southern CU
Rating Date
September 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Southern CU
Chattanooga, TN
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Rating C
Asset Quality Index 6.50
Capitalization Index 9.40
Liquidity Index 6.20
Profitability Index 0.20
Stability Index 4.80
Company Info Southern CU
Chattanooga, TN
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NCUA Charter Number 5654
Phone Number (423) 629-2578
Website www.southerncu.com
Asset Quality Southern CU
Chattanooga, TN
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1-Year Asset Growth -4.37%
5-Year Asset Growth 0.31%
5-Year Charge-Offs to Average Loans 0.38%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.83%
Non-Performing Loans to Capital 7.25%
Non-Performing Loans to Loans 2.12%
Balance Sheet Southern CU
Chattanooga, TN
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Total Assets 20.11M
Total Deposits 17.84M
Capital and Reserves Southern CU
Chattanooga, TN
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Capital 2.24M
Leverage Ratio 11.13
Loan Loss Reserves to Loans 0.82%
Liquidity Southern CU
Chattanooga, TN
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Hot Money Ratio 13.83%
Liquidity Ratio 33.50%
Profitability Southern CU
Chattanooga, TN
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5-Year Return on Average Assets -0.59%
Net Income -61.00K
Net Interest Spread 2.94%
Operating Profit to Average Assets -0.29%
Overhead Efficiency Ratio 109.46%
Return on Assets -0.59%
Return on Equity -5.36%