FIRST SOUTH FINANCIAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.firstsouth.com for more information.
Sep, 30, 2025 — FIRST SOUTH FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in Bartlett, TN with 16 branch locations and about $800.85 million in total assets. Opened 69 years ago in 1957, FIRST SOUTH FINANCIAL CREDIT UNION has about 68,884 members and employs 117 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST SOUTH FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2723 Summer Oaks Dr Bartlett, TN 38134 |
| Phone: | (901) 380-7400 |
| Fax: | (901) 380-7320 |
| Website: | https://www.firstsouth.com |
| Branches: | 16 branch locations |
| Members: | 68,884 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68084 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Mar 01, 2022 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $800,851,760 |
| CEO/Manager: | W. Craig Esrael |
| Chairperson: | Rob Kamery |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 106,431,707 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 1,350,186 |
| Real Estate Loans | 252,351,183 |
| Unsecured Loans | 21,876,720 |
| Other Loans | 156,583,259 |
| TOTAL LOANS | 430,811,162 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -15,821,705 |
| Land And Building | 11,452,119 |
| Other Fixed Assets | 1,709,173 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,011,810 |
| All Other Assets | 18,718 |
| TOTAL ASSETS | 800,851,760 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 15,495 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 15,982,594 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 122,527,143 |
| Regular shares | 260,036,778 |
| All Other Shares & Deposits | 190,722,839 |
| TOTAL SHARES & DEPOSITS | 573,286,760 |
| TOTAL LIABILITIES | 589,284,849 |
| Regular Reserve | 0 |
| Other Reserves | 651,418 |
| Undivided Earnings | 210,915,493 |
| TOTAL EQUITY | 211,566,911 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 800,851,760 |
| INCOME & EXPENSE | |
| Loan Income | 9,559,075 |
| Investment Income | 1,940,843 |
| Other Income | 13,169,626 |
| Total Employee Compensation & Benefits | 12,990,394 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,003,626 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 556,903 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 7,874,227 |
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