TellerScore

Southland Federal Credit Union (NCUA charter #15815) is based in Lufkin, Texas. Its Q2 2026 call report shows $89.2M in total assets and $76.0M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Southland Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 76th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 0% uninsured), and its lowest is earnings (61/100; 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.41%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity100/100
Loans ÷ shares: 55.0% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.82%

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 (86 → 85).

TellerScore
848687Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202485
Q4 202487
Q1 202586
Q2 202586
Q3 202585
Q4 202587
Q1 202684
Q2 202685
Net worth ratio
7.00%10.73%14.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.05%
Q3 202414.46%
Q4 202414.14%
Q1 202513.85%
Q2 202513.95%
Q3 202514.20%
Q4 202514.34%
Q1 202614.33%
Q2 202614.41%
Delinquent loans (60+ days)
0.34%0.53%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20240.63%
Q4 20240.34%
Q1 20250.45%
Q2 20250.55%
Q3 20250.72%
Q4 20250.55%
Q1 20260.57%
Q2 20260.62%
Return on assets
0.87%1.08%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.14%
Q4 20241.14%
Q1 20251.14%
Q2 20251.27%
Q3 20251.30%
Q4 20251.21%
Q1 20260.87%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$89.2M14.41%0.62%1.03%55.0%
Q1 202684$87.8M14.33%0.57%0.87%52.9%
Q4 202587$86.4M14.34%0.55%1.21%55.1%
Q3 202585$85.7M14.20%0.72%1.30%57.2%
Q2 202586$85.1M13.95%0.55%1.27%57.4%
Q1 202586$83.6M13.85%0.45%1.14%58.6%
Q4 202487$80.2M14.14%0.34%1.14%62.6%
Q3 202485$78.4M14.46%0.63%1.14%64.2%
Q2 202485$79.1M14.05%0.53%1.13%62.9%

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 ratio14.41%
51st
Problem loans0.62%
53rd
Net charge-offs0.83%
17th
Return on assets1.03%
69th
Loans to deposits55.0%
55th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.8%
44th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Westex Federal Credit UnionCredit union Lubbock, TX52 out of 100, Below average$88.9M9.3%1.84%vs
Southwest Research Center Federal Credit UnionCredit union San Antonio, TX79 out of 100, Strong$87.6M11.6%0.50%vs
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
Wellspring Federal Credit UnionCredit union Bridge City, TX61 out of 100, Moderate$91.8M8.9%0.71%vs
U. S. Employees Credit UnionCredit union Tomball, TX74 out of 100, Strong$86.4M10.4%0.20%vs
Baycel Federal Credit UnionCredit union Bay City, TX91 out of 100, Very strong$92.2M21.8%1.01%vs

Deposit insurance

Is my money safe at Southland Federal Credit Union?

Yes. Southland Federal Credit Union is a federally insured credit union (NCUA charter #15815). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Southland Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southland Federal Credit Union
Type
Federal credit union
NCUA charter #
15815
RSSD ID
53387
Primary regulator
NCUA
Established
1963
Headquarters
2601 S John Redditt Dr, Lufkin, TX 75904
Employees
17

Quick answers

Southland Federal Credit Union: common questions

Is Southland Federal Credit Union NCUA insured?

Yes. Southland Federal Credit Union is a federally insured credit union (NCUA charter #15815). 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 Southland Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Southland Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lufkin

InstitutionScoreAssetsCapitalProblem loansCompare
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
Lufkin Federal Credit UnionCredit union Lufkin, TX99 out of 100, Very strong$47.8M26.3%0.14%vs
Aspire Credit UnionCredit union Lufkin, TX94 out of 100, Very strong$38.0M20.5%0.05%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Citizens State BankBank Corrigan, TX83 out of 100, Strong$190.6M12.0%0.50%vs