State credit union · KENOSHA, Wisconsin · NCUA charter #66707
Southern Lakes
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $109.1M
- Total assets
- 9,519
- Members
- 9.6%
- Net-worth ratio
Southern Lakes scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $109.1M; members 9,519; net-worth ratio 9.63%; health rank #2,644 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,644 of 4,374 health · 2025Q4Southern Lakes · health 81/100 · $109.1M · 2025Q4
- CHARTER 81/100
- NCUSIF 9.6%
- CAMELS 0.91%
- HEALTH 0.42%
- NW $109.1M
- DELQ 9,519
- ROA #2,644/4,374
- ASSETS CHIPHONE
- MEM 66707
Call Report peers
Southern Lakes in the assets neighbourhood
Southern Lakes's $109.1M assets sit next to CHIPHONE ($109.3M) 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 Lakes 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
81 39th percentile higher than 39% 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 Lakes - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66707. See our deposit-insurance coverage note.
Peer-gap read for Southern Lakes
- Largest favorable gap: Loan-to-Share Ratio at 72.54% vs peer 72.20% (+0.34 pp).
- Largest lag: Net Worth Ratio at 9.63% vs peer 12.11% (-2.48 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Southern Lakes in Wisconsin
- Wisconsin health ordinal: #82 of 100.
- Assets rank #48 of 100 inside Wisconsin ($109.1M reported).
- Member book place in Wisconsin: #39 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southern Lakes: 2025Q4 → 2026Q1
Southern Lakes: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $109.1M (2025Q4) to $113.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.75% → 9.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 20.9 pts
- Return on Assets 13.8 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 15.2 pts
Southern Lakes vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.63% | -2.48 pp |
| Delinquency Rate | 0.91% | +0.02 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | -3.87% | - |
| Loan-to-Share Ratio | 72.54% | +0.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Southern Lakes quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $113.2M | - |
| 2025Q4 | $109.1M | 9,519 |
| 2024Q4 | $104.9M | 9,902 |
| 2023Q4 | $106.5M | 9,885 |
Credit Union Details
- Charter Number
- 66707
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- KENOSHA
- Data Quarter
- 2025Q4
Branch Locations (3)
Southern Lakes operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 80th Street (Main Office) | Kenosha, WI |
| Elkhorn | Elkhorn, WI |
| 60th Street | Kenosha, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Southern Lakes
Two NCUA Call Report peer sets for Southern Lakes, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($109.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Southern Lakes ranks #2,644 of 4,374 nationally on financial health and #82 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Governmental Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Governmental Employees
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 Lakes financially healthy?
Southern Lakes has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,644 of 4,374; by total assets it ranks #1,751 of 4,374 nationally (same basis as /rankings/largest); and #48 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.63% and delinquency rate of 0.91%.
How does Southern Lakes compare to other credit unions?
On PlainCU's health composite, Southern Lakes lands at 81/100, compared to a peer group average for $100M–$500M 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 Lakes?
Membership eligibility for Southern Lakes depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southern Lakes directly for current membership requirements and application steps.
Is my money safe at Southern Lakes?
Federal credit unions like Southern Lakes 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 Lakes's net worth ratio of 9.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Lakes offer compared to banks?
Credit unions like Southern Lakes 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 Lakes 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.