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
- RANK 94/100
- PHOTO 14.3%
- BOOK 0.55%
- CHARTER 1.06%
- NCUSIF $86.4M
- CAMELS 7,044
- HEALTH #472/4,374
- NW Forward Financial
- DELQ 15815
Call Report peers
SOUTHLAND in the assets neighbourhood
SOUTHLAND's $86.4M assets sit next to Forward Financial ($86.4M) 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.
SOUTHLAND 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
94 Top 13% higher than 87% 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
SOUTHLAND - Share Insurance Coverage
Charter #15815's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for SOUTHLAND
SOUTHLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $86.4M (2025Q4) to $87.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (14.34% → 14.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for SOUTHLAND, both outside Texas 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 ($86.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 SOUTHLAND financially healthy?
SOUTHLAND scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #472 of 4,374; by total assets it ranks #1,954 of 4,374 nationally (same basis as /rankings/largest); and #156 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.33% net worth ratio and a 0.55% delinquency rate.
How does SOUTHLAND compare to other credit unions?
Five weighted metrics from NCUA filings produce SOUTHLAND's 94/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like SOUTHLAND 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. SOUTHLAND's net worth ratio of 14.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUTHLAND offer compared to banks?
Credit unions like SOUTHLAND 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 SOUTHLAND 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.