FIRST SOUTH FINANCIAL
Charter #24963 · Bartlett, TN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 30.07% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.87% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.25% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.99% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 52.53% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST SOUTH FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $834.53M | 76th pct | 66th pct |
| Members | 71,340 | 96th pct | 72th pct |
| Net worth ratio | 30.07% | 100th pct | 97th pct |
| Return on average assets | 1.87% | 97th pct | 84th pct |
| Net interest margin | 3.88% | 76th pct | 52th pct |
| Cost of funds | 1.11% | 27th pct | 44th pct |
| Loan-to-share | 83.18% | 53th pct | 57th pct |
| Delinquency 60+ days | 0.25% | 17th pct | 18th pct |
| Net charge-off ratio | 0.99% | 87th pct | 89th pct |
| Loan growth YoY | -1.56% | 21th pct | 20th pct |
| Share growth YoY | 3.16% | 38th pct | 38th pct |
| Efficiency ratio | 52.53% | 3th pct | 7th pct |
structural peer set hash: 03f1f364f9a4b37f12c97a9ce31173ad… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.