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
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 75-79 with 502 others.
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
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%).
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.
- One place up in California, MONTEREY (#187) ties at 76/100; one place down, California Adventist (#189) scores 75/100, 1 point lower.
How SOUTHLAND's 5300 filing moved
SOUTHLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $1.32B (2025Q4) to $1.29B (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.52% → 8.58%).
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
SOUTHLAND gives up 24 points in total. Return on Assets costs the most, 13.3 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is SOUTHLAND financially healthy?
On its 2025Q4 NCUA 5300 filing, SOUTHLAND scores 76/100 (Very Good), with a 8.58% net worth ratio and 0.79% of loans delinquent. It ranks #3,215 of 4,374 nationally on health and #188 of 243 in California.
How does SOUTHLAND compare to other credit unions?
SOUTHLAND scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.79% vs 0.87%). Its widest shortfall is loan-to-share ratio (80.14% vs 83.90%).
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?
SOUTHLAND 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. SOUTHLAND's net worth ratio of 8.58% 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.