A
First South Financial Federal Credit Union
Rating Date
December 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 10.00
Capitalization Index 10.00
Liquidity Index 5.60
Profitability Index 10.00
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 6.67%
5-Year Asset Growth 4.36%
5-Year Charge-Offs to Average Loans 0.71%
Charge-Offs to Average Loans 0.85%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 0.75%
Non-Performing Loans to Loans 0.42%
Balance Sheet First South Financial Federal Credit Union
Bartlett, TN
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Total Assets 809.06M
Total Deposits 554.28M
Capital and Reserves First South Financial Federal Credit Union
Bartlett, TN
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Capital 242.69M
Leverage Ratio 30.81
Loan Loss Reserves to Loans 9.01%
Liquidity First South Financial Federal Credit Union
Bartlett, TN
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Hot Money Ratio 10.52%
Liquidity Ratio 58.30%
Profitability First South Financial Federal Credit Union
Bartlett, TN
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5-Year Return on Average Assets 1.75%
Net Income 14.03M
Net Interest Spread 6.52%
Operating Profit to Average Assets 3.55%
Overhead Efficiency Ratio 49.49%
Return on Assets 2.35%
Return on Equity 7.94%