Sep, 30, 2025 — UNITED SOUTHEAST FEDERAL CREDIT UNION is a federal credit union headquartered in BRISTOL, TN with 6 branch locations and about $242.45 million in total assets. Opened 85 years ago in 1941, UNITED SOUTHEAST FEDERAL CREDIT UNION has about 22,976 members and employs 54 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNITED SOUTHEAST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1545 Bluff City Hwy BRISTOL, TN 37620-6018 |
| Phone: | (423) 989-2100 |
| Fax: | (423) 989-2182 |
| Website: | https://www.usfcu.org |
| Branches: | 6 branch locations |
| Members: | 22,976 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4714 |
|---|---|
| Membership Type: | Multiple common bond - Primarily communications and utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $242,453,366 |
| CEO/Manager: | Michelle J Brown |
| Chairperson: | Gary W King |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 15,554,115 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 27,791,823 |
| Unsecured Loans | 22,543,704 |
| Other Loans | 90,810,301 |
| TOTAL LOANS | 162,851,858 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,710,422 |
| Land And Building | 6,796,207 |
| Other Fixed Assets | 515,625 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,960,919 |
| All Other Assets | 0 |
| TOTAL ASSETS | 242,453,366 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 732,738 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 777,922 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 34,171,721 |
| Regular shares | 82,436,741 |
| All Other Shares & Deposits | 94,434,647 |
| TOTAL SHARES & DEPOSITS | 211,043,109 |
| TOTAL LIABILITIES | 212,553,769 |
| Regular Reserve | 0 |
| Other Reserves | 1,341,640 |
| Undivided Earnings | 28,557,957 |
| TOTAL EQUITY | 29,899,597 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 242,453,366 |
| INCOME & EXPENSE | |
| Loan Income | 7,814,467 |
| Investment Income | 1,111,404 |
| Other Income | 1,240,933 |
| Total Employee Compensation & Benefits | 3,442,955 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,933,893 |
| Non-operating Income & (Expense) | 14,500 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,316,038 |
| Cost of Funds | 2,407,103 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,423,584 |
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