Federal credit union · Lufkin, Texas · NCUA charter #15815
SOUTHLAND
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $86.4M
- Total assets
- 7,044
- Members
- 14.3%
- Net-worth ratio
SOUTHLAND scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.4M; members 7,044; net-worth ratio 14.33%; health rank #472 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#472 of 4,374 health · 2025Q4SOUTHLAND · health 94/100 · $86.4M · 2025Q4
Call Report peers
SOUTHLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SOUTHLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SOUTHLAND sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SOUTHLAND: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 14.33% vs peer 13.62% (+0.71 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.54 pp (55.06% vs 62.60%).
Where SOUTHLAND sits in Texas
- Texas health ordinal: #45 of 386.
- Texas assets place: #156 of 386.
- Member book place in Texas: #152 of 386.
- One place up in Texas, Ila 1351 (#44) ties at 94/100; one place down, TEXASGULF (#46) ties at 94/100.
Quarter path for SOUTHLAND
SOUTHLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $86.4M (2025Q4) to $87.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (14.34% → 14.33%).
14.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
SOUTHLAND gives up 6 points in total. Loan-to-Share Ratio costs the most, 3.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 12.0 pts
SOUTHLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.33% | +0.71 pp |
| Delinquency Rate | 0.55% | -0.42 pp |
| Return on Assets | 1.06% | +0.40 pp |
| Member Growth | 2.89% | - |
| Loan-to-Share Ratio | 55.06% | -7.54 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $87.8M | - |
| 2025Q4 | $86.4M | 7,044 |
| 2024Q4 | $80.2M | 6,846 |
| 2023Q4 | $72.8M | 6,743 |
Credit Union Details
- Charter Number
- 15815
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Lufkin
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SOUTHLAND, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Lufkin, TX |
| Crockett Branch | Crockett, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for SOUTHLAND
Using this data
- SOUTHLAND ranks #472 of 4,374 nationally on financial health and #45 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BAYCEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BAYCEL
Frequently Asked Questions
Is SOUTHLAND financially healthy?
On its 2025Q4 NCUA 5300 filing, SOUTHLAND scores 94/100 (Excellent), with a 14.33% net worth ratio and 0.55% of loans delinquent. It ranks #472 of 4,374 nationally on health and #45 of 386 in Texas.
How does SOUTHLAND compare to other credit unions?
SOUTHLAND scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (14.33% vs 13.62%). Its widest shortfall is loan-to-share ratio (55.06% vs 62.60%).
How can I join SOUTHLAND?
SOUTHLAND 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 SOUTHLAND directly for the exact boundaries and application steps.
Is my money safe at SOUTHLAND?
SOUTHLAND 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. SOUTHLAND's net worth ratio of 14.33% 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.