Franklin, Tennessee · Peer group 5
Southeast Financial Credit Union
Southeast Financial Credit Union holds $474.1M in assets across 35,238 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1936. Charter number 68599, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $474.1M |
|---|---|
| Total loans | $379.4M |
| Total shares (deposits) | $438.3M |
| Net worth | $36.7M |
| Members | 35,238 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.8% | |
|---|---|---|
| Loans | 2.3% | around the 47th percentile of its peer group |
| Deposits | 3.5% | around the 55th percentile of its peer group |
| Members | -8.4% | lower than 95% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 86.6% | around the 82nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.7% | lower than 98% of its peer group |
| Return on assets | 0.07% | around the 11th percentile of its peer group |
| Delinquency ratio | 0.77% | around the 63rd percentile of its peer group |
| Cash / assets | 10.7% | around the 54th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Southeast Financial Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Memphis City Employees Credit Union
MEMPHIS, TN
$500.7M · 44,001 members
- Comtrust Credit Union
CHATTANOOGA, TN
$429.5M · 17,550 members
- Alcoa Tenn Credit Union
Alcoa, TN
$424.5M · 22,137 members
- Ten Credit Union
NASHVILLE, TN
$394.4M · 18,401 members
- U. T. Credit Union
Knoxville, TN
$572.1M · 25,612 members
- Heritage South Community CU
Shelbyville, TN
$359.9M · 36,074 members
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