First South Financial
First South Financial is a credit union based in Bartlett, Tennessee, established in 1957, with $835 million in total assets serving 71,340 members. By Trust Grade it ranks 19th of 126 credit unions we track in Tennessee. Its net worth ratio of 30.1% is stronger than 100% of similarly sized credit unions, versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 1.86% return on assets. No consumer complaints against First South Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First South Financial compares to Tennessee peers
How we graded First South Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (30.1% capital ratio)
- Strongly profitable (ROA 1.86%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First South Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First South Financial insured?
Yes. First South Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First South Financial: frequently asked questions
Is First South Financial a good credit union?
First South Financial earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (30.1% capital ratio); Strongly profitable (ROA 1.86%).
Is First South Financial NCUA-insured?
Yes. First South Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is First South Financial?
First South Financial holds $835 million in total assets, ranking 19th of 126 credit unions we track in Tennessee. It serves 71,340 members.
Does First South Financial have CFPB complaints?
No CFPB complaints against First South Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
