Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #23327
Southern Gas
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $5.2M
- Total assets
- 510
- Members
- 26.8%
- Net-worth ratio
Southern Gas scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.2M; members 510; net-worth ratio 26.76%; health rank #2,038 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,038 of 4,374 health · 2025Q4Southern Gas · health 84/100 · $5.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Gas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Gas sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 Gas vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 110.82% here, 63.60% peer average (+47.22 pp).
Where Southern Gas sits in Arkansas
- In Arkansas, health place is #21 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #40 of 48.
- Membership ranks #46 of 48 among Arkansas CUs with a reported count (510 members).
- One place up in Arkansas, UARK (#20) scores 86/100, 2 points higher; one place down, UP (#22) ties at 84/100.
Quarter path for Southern Gas
Southern Gas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.0% from $5.2M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted -1.81 pp (28.57% → 26.76%).
This credit union's 26.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Southern Gas gives up 16 points in total. Loan-to-Share Ratio costs the most, 8.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 6.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.76% | +7.70 pp |
| Delinquency Rate | 0.57% | -1.24 pp |
| Return on Assets | 0.50% | +0.05 pp |
| Member Growth | -0.20% | - |
| Loan-to-Share Ratio | 110.82% | +47.22 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.2M | 510 |
| 2024Q4 | $5.3M | 511 |
| 2023Q4 | $5.4M | 527 |
Credit Union Details
- Charter Number
- 23327
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
Branch Location
Southern Gas operates a single office in LITTLE ROCK, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SOUTHERN GAS FCU (Main Office) | LITTLE ROCK, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Cross-state Call Report peers for Southern Gas
Similar health score
Using this data
- Southern Gas ranks #2,038 of 4,374 nationally on financial health and #21 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Garland County Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Garland County Educators
Frequently Asked Questions
Is Southern Gas financially healthy?
On its 2025Q4 NCUA 5300 filing, Southern Gas scores 84/100 (Excellent), with a 26.76% net worth ratio and 0.57% of loans delinquent. It ranks #2,038 of 4,374 nationally on health and #21 of 48 in Arkansas.
How does Southern Gas compare to other credit unions?
Southern Gas scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (110.82% vs 63.60%).
How can I join Southern Gas?
Southern Gas 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 Gas directly for the exact boundaries and application steps.
Is my money safe at Southern Gas?
Southern Gas 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 Gas's net worth ratio of 26.76% 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.