State credit union · LOS ALAMITOS, California · NCUA charter #68415
SOUTHLAND
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $1.32B
- Total assets
- 70,936
- Members
- 8.6%
- Net-worth ratio
SOUTHLAND scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.32B; members 70,936; net-worth ratio 8.58%; health rank #3,215 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,215 of 4,374 health · 2025Q4SOUTHLAND · health 76/100 · $1.32B · 2025Q4
- NW 76/100
- DELQ 8.6%
- ROA 0.79%
- ASSETS -0.31%
- MEM $1.32B
- RANK 70,936
- PHOTO #3,215/4,374
- BOOK Wright Patman Congressional
- CHARTER 68415
Call Report peers
SOUTHLAND in the assets neighbourhood
SOUTHLAND's $1.32B assets sit next to Wright Patman Congressional ($1.32B) 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
76 26th percentile higher than 26% 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
The 2025Q4 NCUA Call Report puts charter #68415 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for SOUTHLAND
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.08 pp (0.79% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.76 pp (80.14% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SOUTHLAND in California
- Health composite ranks #188 of 243 among scored California credit unions.
- Assets rank #53 of 243 inside California ($1.32B reported).
- California membership ordinal: #51 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SOUTHLAND's 5300 filing moved
SOUTHLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.9% from $1.32B (2025Q4) to $1.29B (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.52% → 8.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 22.1 pts
- Return on Assets 1.7 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.3 pts
SOUTHLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.58% | -2.60 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | -0.31% | -0.81 pp |
| Member Growth | 1.25% | - |
| Loan-to-Share Ratio | 80.14% | -3.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - SOUTHLAND
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.29B | - |
| 2025Q4 | $1.32B | 70,936 |
| 2024Q4 | $1.26B | 70,059 |
| 2023Q4 | $1.15B | 64,822 |
Credit Union Details
- Charter Number
- 68415
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- LOS ALAMITOS
- Data Quarter
- 2025Q4
Branch Locations (11)
SOUTHLAND operates 11 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Los Alamitos Branch (Main Office) | Los Alamitos, CA |
| Carson Branch | Carson, CA |
| Downey Branch | Downey, CA |
| Long Beach Branch | Long Beach, CA |
| Long Beach Memorial Med. Center Branch | Long Beach, CA |
| St. Mary Medical Center Branch | Long Beach, CA |
| Viking Way Branch | Long Beach, CA |
| Los Angeles-Federal Bldg | Los Angeles, CA |
| St. Francis Branch | Lynwood, CA |
| Santa Monica Branch | Santa Monica, CA |
| St. John Branch | Santa Monica, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for SOUTHLAND - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.32B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- SOUTHLAND ranks #3,215 of 4,374 nationally on financial health and #188 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pacific Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pacific Service
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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?
A 8.58% net worth ratio and a 0.79% delinquency rate feed into SOUTHLAND's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,215 of 4,374; by total assets it ranks #374 of 4,374 nationally (same basis as /rankings/largest); and #53 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SOUTHLAND compare to other credit unions?
SOUTHLAND scores 76/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 SOUTHLAND?
Membership eligibility for SOUTHLAND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SOUTHLAND directly for current membership requirements 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 8.58% 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.