Federal credit union · Houston, Texas · NCUA charter #9214
SOUTHERN
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $76.1M
- Total assets
- 3,673
- Members
- 43.8%
- Net-worth ratio
SOUTHERN scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.1M; members 3,673; net-worth ratio 43.75%; health rank #3,497 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,497 of 4,374 health · 2025Q4SOUTHERN · health 71/100 · $76.1M · 2025Q4
- CAMELS 71/100
- HEALTH 43.8%
- NW 3.81%
- DELQ 1.08%
- ROA $76.1M
- ASSETS 3,673
- MEM #3,497/4,374
- RANK G.A.P.
- PHOTO 9214
Call Report peers
SOUTHERN in the assets neighbourhood
SOUTHERN's $76.1M assets sit next to G.A.P. ($76.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SOUTHERN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SOUTHERN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9214, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
SOUTHERN vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 43.75% vs peer 13.62% (+30.13 pp).
- Largest lag: Delinquency Rate at 3.81% vs peer 0.96% (+2.85 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SOUTHERN sits in Texas
- In Texas, health place is #306 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #168 of 386.
- Texas membership ordinal: #198 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SOUTHERN: 2025Q4 → 2026Q1
SOUTHERN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $76.1M (2025Q4) to $77.6M (2026Q1).
- Net-worth ratio shifted -0.54 pp (44.29% → 43.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
43.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.2 pts
SOUTHERN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 43.75% | +30.13 pp |
| Delinquency Rate | 3.81% | +2.85 pp |
| Return on Assets | 1.08% | +0.42 pp |
| Member Growth | 0.46% | - |
| Loan-to-Share Ratio | 77.25% | +14.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
SOUTHERN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.6M | - |
| 2025Q4 | $76.1M | 3,673 |
| 2024Q4 | $76.9M | 3,656 |
| 2023Q4 | $76.4M | 3,619 |
Credit Union Details
- Charter Number
- 9214
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, SOUTHERN runs one office.
| Office | City |
|---|---|
| Southern FCU (Main Office) | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for SOUTHERN
Cross-state asset and health neighbours for SOUTHERN - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($76.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- SOUTHERN ranks #3,497 of 4,374 nationally on financial health and #306 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texan Sky is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texan Sky
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SOUTHERN financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - SOUTHERN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,497 of 4,374; by total assets it ranks #2,058 of 4,374 nationally (same basis as /rankings/largest); and #168 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 43.75% net worth ratio and 3.81% delinquency rate are the key drivers.
How does SOUTHERN compare to other credit unions?
On PlainCU's health composite, SOUTHERN lands at 71/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SOUTHERN?
SOUTHERN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SOUTHERN directly for the exact boundaries and application steps.
Is my money safe at SOUTHERN?
Federal credit unions like SOUTHERN are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SOUTHERN's net worth ratio of 43.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUTHERN offer compared to banks?
Credit unions like SOUTHERN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SOUTHERN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.