Southern Federal Credit Union Houston, Texas
Southern Federal Credit Union is a federal credit union headquartered in Houston, TX, established in 1954 (NCUA charter 9214), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,611 members and total assets of $76.4M (down 4.9% from Q2 2025), the 165th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 44.47% at Q2 2026, in the well capitalized band.
Also written as Southern FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9214
- Headquarters
- Houston, TX
- Established
- 1954
- Total assets, Q2 2026
- $76.4M
- Assets vs Q2 2025
- -4.9%
- Members, Q2 2026
- 3,611
- Net worth ratio, Q2 2026
- 44.47%
- Latest call report
- Q2 2026, NCUA 5300 · Southern Federal Credit Union call report
- Asset rank in state
- 165th of 377 in Texas
- Routing number
- 313084632
- Branches
- 1
It has 92 fewer members than on June 30, 2025 (-2.5%). Its net worth ratio was up 2.68 percentage points from 41.79% on June 30, 2025. Used vehicle loans are its largest loan category, $15.0M of $29.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.09% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 44.47% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Southern Federal Credit Union
How big is Southern Federal Credit Union?
At Q2 2026 it reported total assets of $76.4M and 3,611 members.
Where is Southern Federal Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was Southern Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Southern Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9214): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Southern Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Southern Federal Credit Union well capitalized?
Its net worth ratio was 44.47% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Southern Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.09% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Southern Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.75% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77046
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9214
- RSSD ID
- 345185
- Members
- 3,611
- Potential members
- 62,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 44.47% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.26% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.59% | 4.74% | 24th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.80% | 3.93% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 91.91% | 79.83% | 25th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.54% | 0.78% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.09% | 0.86% | 24th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.35% | 4.70% | 32nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 70.75% | 58.92% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$76.4M total assets against $80.4M; $42.3M total shares and deposits against $46.8M; $29.9M total loans against $34.3M.
$34.0M net worth against $33.6M.
44.47% net worth ratio against 41.79%.
70.75% loan-to-share ratio against 73.25%.
2.09% delinquency ratio against 4.05%.
0.26% return on assets against 0.27%; 0.59% return on equity against 0.64%.
2.80% net interest margin against 2.96%.
3,611 members against 3,703.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 44.47% | 0.26% | 2.09% | 70.75% |
| March 31, 2026 | 43.75% | 1.12% | 3.25% | 71.43% |
| December 31, 2025 | 44.29% | 0.36% | 3.81% | 77.25% |
| September 30, 2025 | 43.53% | 0.30% | 3.18% | 77.40% |
| June 30, 2025 | 41.79% | 0.27% | 4.05% | 73.25% |
| March 31, 2025 | 43.12% | 0.23% | 3.77% | 78.37% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.