A
First South Financial Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First South Financial Federal Credit Union
Bartlett, TN
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Rating A
Asset Quality Index 9.90
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 9.80
Stability Index 9.00
Company Info First South Financial Federal Credit Union
Bartlett, TN
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NCUA Charter Number 6077
Phone Number (901) 380-7400
Website www.firstsouth.com
Asset Quality First South Financial Federal Credit Union
Bartlett, TN
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1-Year Asset Growth 2.74%
5-Year Asset Growth 4.36%
5-Year Charge-Offs to Average Loans 0.71%
Charge-Offs to Average Loans 0.93%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 0.78%
Non-Performing Loans to Loans 0.38%
Balance Sheet First South Financial Federal Credit Union
Bartlett, TN
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Total Assets 793.72M
Total Deposits 549.06M
Capital and Reserves First South Financial Federal Credit Union
Bartlett, TN
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Capital 233.06M
Leverage Ratio 30.19
Loan Loss Reserves to Loans 7.89%
Liquidity First South Financial Federal Credit Union
Bartlett, TN
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Hot Money Ratio 8.96%
Liquidity Ratio 50.09%
Profitability First South Financial Federal Credit Union
Bartlett, TN
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5-Year Return on Average Assets 1.75%
Net Income 4.41M
Net Interest Spread 5.97%
Operating Profit to Average Assets 3.32%
Overhead Efficiency Ratio 50.86%
Return on Assets 2.26%
Return on Equity 7.63%