Credit Union Safety Analysis
Is Southern Lakes Credit Union Safe? Kenosha, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Southern Lakes Credit Union has a net worth ratio of 9.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.73%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Southern Lakes Credit Union's net worth ratio is 9.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.73%
- Return on assets (Q2 2026): 0.24%
- Loan-to-share ratio (Q2 2026): 66.50%
Southern Lakes Credit Union (NCUA charter 66707, established 1935) reported $112.6M in assets and 9,683 members for Q2 2026 from Kenosha, Wisconsin. It ranks 48 of 98 credit unions in Wisconsin by total assets. Total assets grew 4.5% from $107.8M on June 30, 2025. It has 174 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.09 percentage points from 9.64% on June 30, 2025. Used vehicle loans are its largest loan category, $38.4M of $67.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.73% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.63% for Q1 2026; 9.64% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.86% for Q1 2026; 0.88% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.93% for Q1 2026; 0.39% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 68.02% for Q1 2026; 74.00% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $38.4M
- 1- to 4-family residential and other consumer real estate loans: $14.5M
- New vehicle loans: $10.8M
- Other unsecured loans and lines of credit: $1.1M
- Non-federally guaranteed student loans: $1.0M
- Other secured non-real estate loans and lines of credit: $949K
- Commercial loans: $535K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $112.6M | 9.73% | 0.73% | 0.24% | 66.50% |
| March 31, 2026 | $113.2M | 9.63% | 0.86% | 0.93% | 68.02% |
| December 31, 2025 | $109.1M | 9.75% | 0.91% | 0.25% | 72.54% |
| September 30, 2025 | $107.5M | 9.83% | 0.82% | 0.67% | 73.84% |
| June 30, 2025 | $107.8M | 9.64% | 0.88% | 0.39% | 74.00% |
| March 31, 2025 | $108.2M | 9.52% | 0.82% | 0.53% | 73.22% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Southern Lakes Credit Union profile
Regulator records: NCUA credit union profile (charter 66707) · FFIEC NIC profile (RSSD 887890)
Frequently asked questions
Is Southern Lakes Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Southern Lakes Credit Union's net worth ratio is 9.73%, above the 7% NCUA threshold for well capitalized.
Is Southern Lakes Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Southern Lakes Credit Union is a federally insured credit union (NCUA charter 66707): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Southern Lakes Credit Union's key safety ratios?
For Q2 2026, Southern Lakes Credit Union reports net worth 9.73%, delinquency 0.73%, ROA 0.24%, loan-to-share 66.50%.
What happens to my money if Southern Lakes Credit Union fails?
For Q2 2026, Southern Lakes Credit Union held $101.0M in shares and deposits for 9,683 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.