TellerScore

Southern Lakes Credit Union is a federally insured state-chartered credit union headquartered in Kenosha, Wisconsin, in business for about 91 years. At the end of Q2 2026 it reported $112.6M in total assets and $101.0M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Southern Lakes Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 75th. Its strongest component is funding & liquidity (94/100; 67% loans-to-deposits, 5% uninsured), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.73%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity94/100
Loans ÷ shares: 66.5% · 4.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.47%

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 4 points (61 → 65), mostly because the funding & liquidity component improved by 8 points.

TellerScore
576266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202457
Q1 202562
Q2 202561
Q3 202563
Q4 202562
Q1 202666
Q2 202665
Net worth ratio
7.00%8.41%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.49%
Q3 20249.60%
Q4 20249.68%
Q1 20259.52%
Q2 20259.64%
Q3 20259.83%
Q4 20259.75%
Q1 20269.63%
Q2 20269.73%
Delinquent loans (60+ days)
0.73%0.99%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.77%
Q4 20241.26%
Q1 20250.82%
Q2 20250.88%
Q3 20250.82%
Q4 20250.91%
Q1 20260.86%
Q2 20260.73%
Return on assets
0.36%0.65%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.36%
Q4 20240.44%
Q1 20250.53%
Q2 20250.46%
Q3 20250.53%
Q4 20250.45%
Q1 20260.93%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$112.6M9.73%0.73%0.59%66.5%
Q1 202666$113.2M9.63%0.86%0.93%68.0%
Q4 202562$109.1M9.75%0.91%0.45%72.5%
Q3 202563$107.5M9.83%0.82%0.53%73.8%
Q2 202561$107.8M9.64%0.88%0.46%74.0%
Q1 202562$108.2M9.52%0.82%0.53%73.2%
Q4 202457$104.9M9.68%1.26%0.44%74.7%
Q3 202461$104.0M9.60%0.77%0.36%75.5%
Q2 202462$105.2M9.49%0.82%0.53%74.5%

1,341 peers · $100 million – $1 billion

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 ratio9.73%
24th
Problem loans0.73%
47th
Net charge-offs0.15%
78th
Return on assets0.59%
38th
Loans to deposits66.5%
68th
Uninsured deposits4.7%
64th
Loan-loss reserves0.00%
50th
Texas ratio4.5%
46th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Governmental Employees Credit UnionCredit union La Crosse, WI60 out of 100, Moderate$121.8M9.4%0.71%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs
Tomah Area Credit UnionCredit union Tomah, WI83 out of 100, Strong$125.9M12.4%0.49%vs
Oakdale Credit UnionCredit union Oakdale, WI95 out of 100, Very strong$132.4M13.3%0.00%vs
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs

Deposit insurance

Is my money safe at Southern Lakes Credit Union?

Yes. Southern Lakes Credit Union is a federally insured credit union (NCUA charter #66707). 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 4.7% of shares and deposits ($4.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Southern Lakes Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southern Lakes Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66707
RSSD ID
887890
Primary regulator
State + NCUA
Established
1935
Headquarters
3000 80th Street, Kenosha, WI 53142
Employees
37

Quick answers

Southern Lakes Credit Union: common questions

Is Southern Lakes Credit Union NCUA insured?

Yes. Southern Lakes Credit Union is a federally insured credit union (NCUA charter #66707). 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 Lakes Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Lakes Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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