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
Call Report peers
SOUTHERN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SOUTHERN sits in 70-74 with 317 others.
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 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).
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.
- One place up in Texas, Texas Dow Employees (#305) scores 72/100, 1 point higher; one place down, Caprock Santa Fe (#307) ties at 71/100.
SOUTHERN: 2025Q4 → 2026Q1
SOUTHERN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $76.1M (2025Q4) to $77.6M (2026Q1).
- Net-worth ratio shifted -0.54 pp (44.29% → 43.75%).
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
SOUTHERN gives up 29 points in total. Delinquency Rate costs the most, 23.8 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SOUTHERN financially healthy?
SOUTHERN has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,497 of 4,374 nationally on health and #306 of 386 in Texas. Its net worth ratio is 43.75% and its delinquency rate 3.81%.
How does SOUTHERN compare to other credit unions?
SOUTHERN scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (43.75% vs 13.62%). Its widest shortfall is delinquency rate (3.81% vs 0.96%).
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?
SOUTHERN is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.