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
Call Report peers
Southern Lakes in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Southern Lakes sits in 80-84 with 767 others.
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
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).
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.
- One place up in Wisconsin, RIPCO (#81) ties at 81/100; one place down, Fort Community (#83) scores 80/100, 1 point lower.
Southern Lakes: 2025Q4 → 2026Q1
Southern Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $109.1M (2025Q4) to $113.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.75% → 9.63%).
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
Southern Lakes gives up 19 points in total. Member Growth costs the most, 13 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Southern Lakes financially healthy?
On its 2025Q4 NCUA 5300 filing, Southern Lakes scores 81/100 (Excellent), with a 9.63% net worth ratio and 0.91% of loans delinquent. It ranks #2,644 of 4,374 nationally on health and #82 of 100 in Wisconsin.
How does Southern Lakes compare to other credit unions?
Southern Lakes scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.54% vs 72.20%). Its widest shortfall is net worth ratio (9.63% vs 12.11%).
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?
Southern Lakes is a state-chartered 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 Lakes's net worth ratio of 9.63% 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.