TellerScore

Southern Federal Credit Union is a federal credit union headquartered in Houston, Texas, in business for about 72 years. At the end of Q2 2026 it reported $76.4M in total assets and $42.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Southern Federal Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 216th. Its strongest component is capital cushion (100/100; 44.47%), and its lowest is loan quality (30/100; 2.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 44.47%
Loan quality30/100
Loans 60+ days delinquent ÷ total loans: 2.09%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 6.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 12 points (58 → 70), mostly because the loan quality component improved by 30 points.

TellerScore
576470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202465
Q4 202464
Q1 202557
Q2 202558
Q3 202558
Q4 202558
Q1 202666
Q2 202670
Net worth ratio
7.00%25.73%44.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202443.27%
Q3 202442.98%
Q4 202443.58%
Q1 202543.12%
Q2 202541.79%
Q3 202543.53%
Q4 202544.29%
Q1 202643.75%
Q2 202644.47%
Delinquent loans (60+ days)
2.09%3.22%4.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.58%
Q3 20243.05%
Q4 20244.34%
Q1 20253.77%
Q2 20254.05%
Q3 20253.18%
Q4 20253.81%
Q1 20263.25%
Q2 20262.09%
Return on assets
0.23%0.78%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.33%
Q3 20241.19%
Q4 20241.07%
Q1 20250.23%
Q2 20250.25%
Q3 20250.27%
Q4 20250.30%
Q1 20261.12%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$76.4M44.47%2.09%0.70%70.7%
Q1 202666$77.6M43.75%3.25%1.12%71.4%
Q4 202558$76.1M44.29%3.81%0.30%77.2%
Q3 202558$77.3M43.53%3.18%0.27%77.4%
Q2 202558$80.4M41.79%4.05%0.25%73.2%
Q1 202557$77.8M43.12%3.77%0.23%78.4%
Q4 202464$76.9M43.58%4.34%1.07%79.7%
Q3 202465$77.6M42.98%3.05%1.19%76.8%
Q2 202470$76.7M43.27%2.58%1.33%77.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio44.47%
99th
Problem loans2.09%
20th
Net charge-offs3.46%
2nd
Return on assets0.70%
53rd
Loans to deposits70.7%
32nd
Uninsured deposits6.7%
14th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
Hereford Texas Federal Credit UnionCredit union Hereford, TX80 out of 100, Strong$77.3M21.4%0.91%vs
Freestone Credit UnionCredit union Teague, TX73 out of 100, Strong$77.3M10.3%0.10%vs
Texan Sky Federal Credit UnionCredit union Dumas, TX82 out of 100, Strong$74.7M15.7%0.34%vs
Baylor Health Care System Credit UnionCredit union Dallas, TX76 out of 100, Strong$80.6M21.9%1.54%vs
Fannin Federal Credit UnionCredit union Bonham, TX94 out of 100, Very strong$80.9M20.2%0.61%vs

Deposit insurance

Is my money safe at Southern Federal Credit Union?

Yes. Southern Federal Credit Union is a federally insured credit union (NCUA charter #9214). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.7% of shares and deposits ($2.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 44.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Southern Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southern Federal Credit Union
Type
Federal credit union
NCUA charter #
9214
RSSD ID
345185
Primary regulator
NCUA
Established
1954
Headquarters
1414 Enclave Pkwy Ste 250, Houston, TX 77077
Employees
10

Quick answers

Southern Federal Credit Union: common questions

Is Southern Federal Credit Union NCUA insured?

Yes. Southern Federal Credit Union is a federally insured credit union (NCUA charter #9214). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Southern Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Southern Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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