Sep, 30, 2025 — SOUTHEAST FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in FRANKLIN, TN with 12 branch locations and about $468.20 million in total assets. Opened 90 years ago in 1936, SOUTHEAST FINANCIAL CREDIT UNION has about 38,404 members and employs 135 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SOUTHEAST FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 220 S Royal Oaks Blvd FRANKLIN, TN 37064-5313 |
| Phone: | (615) 465-5400 |
| Fax: | (615) 465-5569 |
| Website: | https://www.southeastfinancial.org |
| Branches: | 12 branch locations |
| Members: | 38,404 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68599 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $468,202,621 |
| CEO/Manager: | John Jacoway |
| Chairperson: | Cleo Duckworth |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 38,931,303 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 150,294,096 |
| Unsecured Loans | 25,771,646 |
| Other Loans | 209,508,566 |
| TOTAL LOANS | 385,654,280 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,901,612 |
| Land And Building | 11,025,127 |
| Other Fixed Assets | 1,480,000 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,941,846 |
| All Other Assets | 191,134 |
| TOTAL ASSETS | 468,202,621 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 4,000,000 |
| Accounts Payable & Other Liabilities | 7,196,418 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 73,873,351 |
| Regular shares | 162,534,978 |
| All Other Shares & Deposits | 184,640,560 |
| TOTAL SHARES & DEPOSITS | 421,048,888 |
| TOTAL LIABILITIES | 432,245,306 |
| Regular Reserve | 0 |
| Other Reserves | 11,836,216 |
| Undivided Earnings | 24,121,099 |
| TOTAL EQUITY | 35,957,315 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 468,202,621 |
| INCOME & EXPENSE | |
| Loan Income | 18,744,799 |
| Investment Income | 1,427,457 |
| Other Income | 1,087,424 |
| Total Employee Compensation & Benefits | 9,763,157 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 8,102,506 |
| Non-operating Income & (Expense) | -82,084 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,485,242 |
| Cost of Funds | 4,580,944 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 117,500 |
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