TellerScore

Southern Gas Federal Credit Union (NCUA charter #23327) is based in Little Rock, Arkansas. Its Q2 2026 call report shows $5.7M in total assets and $4.2M in member shares and deposits and 1 office.

Southern Gas Federal Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 17th. Capital cushion contributes the most (100/100, 26.10%); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.10%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity66/100
Loans ÷ shares: 93.9% · 6.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 82).

TellerScore
737985Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202483
Q4 202481
Q1 202580
Q2 202582
Q3 202580
Q4 202573
Q1 202680
Q2 202682
Net worth ratio
7.00%17.79%28.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.19%
Q3 202427.01%
Q4 202427.57%
Q1 202525.98%
Q2 202526.57%
Q3 202527.96%
Q4 202528.57%
Q1 202626.76%
Q2 202626.10%
Delinquent loans (60+ days)
0.00%0.28%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.14%
Q4 20240.18%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.57%
Q1 20260.05%
Q2 20260.00%
Return on assets
0.07%0.45%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.69%
Q4 20240.49%
Q1 20250.07%
Q2 20250.37%
Q3 20250.30%
Q4 20250.21%
Q1 20260.27%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$5.7M26.10%0.00%0.33%93.9%
Q1 202680$5.5M26.76%0.05%0.27%101.1%
Q4 202573$5.2M28.57%0.57%0.21%110.8%
Q3 202580$5.3M27.96%0.00%0.30%102.5%
Q2 202582$5.5M26.57%0.00%0.37%93.7%
Q1 202580$5.6M25.98%0.00%0.07%91.9%
Q4 202481$5.3M27.57%0.18%0.49%99.4%
Q3 202483$5.4M27.01%0.14%0.69%93.4%
Q2 202485$5.6M26.19%0.15%0.82%91.4%

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 ratio26.10%
90th
Problem loans0.00%
94th
Net charge-offs-1.00%
99th
Return on assets0.33%
33rd
Loans to deposits93.9%
6th
Uninsured deposits6.8%
14th
Loan-loss reserves0.08%
74th
Texas ratio0.0%
93rd

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Garland County Educators Federal Credit UnionCredit union Hot Springs, AR69 out of 100, Moderate$5.2M18.0%2.56%vs
Cooperative Extension ServiceCredit union Little Rock, AR76 out of 100, Strong$5.0M23.9%0.00%vs
Fort Roots Federal Credit UnionCredit union North Little Ro, AR71 out of 100, Strong$6.9M13.3%1.43%vs
Arkansas Kraft Employees Federal Credit UnionCredit union Morrilton, AR83 out of 100, Strong$4.4M28.8%0.19%vs
Arkansas Farm Bureau Federal Credit UnionCredit union Little Rock, AR86 out of 100, Very strong$7.4M29.4%1.39%vs
Priority Federal Credit UnionCredit union Russellville, AR60 out of 100, Moderate$7.9M10.4%0.22%vs

Deposit insurance

Is my money safe at Southern Gas Federal Credit Union?

Yes. Southern Gas Federal Credit Union is a federally insured credit union (NCUA charter #23327). 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 6.8% of shares and deposits ($284K) 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 26.10%, 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 Gas Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southern Gas Federal Credit Union
Type
Federal credit union
NCUA charter #
23327
RSSD ID
747284
Primary regulator
NCUA
Established
1979
Headquarters
Po Box 2600, Little Rock, AR 72203
Employees
2

Quick answers

Southern Gas Federal Credit Union: common questions

Is Southern Gas Federal Credit Union NCUA insured?

Yes. Southern Gas Federal Credit Union is a federally insured credit union (NCUA charter #23327). 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 Gas Federal Credit Union's TellerScore?

82 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 Gas Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Little Rock

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs