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
- HEALTH 84/100
- NW 26.8%
- DELQ 0.57%
- ROA 0.50%
- ASSETS $5.2M
- MEM 510
- RANK #2,038/4,374
- PHOTO n/a
- BOOK 23327
Call Report peers
Southern Gas carries $5.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23327: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Southern Gas vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 110.82% here, 63.60% peer average (+47.22 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Southern Gas
Southern Gas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.0% from $5.2M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted -1.81 pp (28.57% → 26.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Southern Gas's nationwide photo peers by assets and by health score, excluding Arkansas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas 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 Gas financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Southern Gas'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 #2,038 of 4,374; by total assets it ranks #3,876 of 4,374 nationally (same basis as /rankings/largest); and #40 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 26.76% net worth ratio and 0.57% delinquency rate are the key drivers.
How does Southern Gas compare to other credit unions?
Five weighted metrics from NCUA filings produce Southern Gas's 84/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Southern Gas 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 Gas's net worth ratio of 26.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Gas offer compared to banks?
Credit unions like Southern Gas 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 Gas 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.