Credit Union Safety Analysis
Is Southland Credit Union Safe? Los Alamitos, California
Based on its Q2 2026 NCUA 5300 call report, Southland Credit Union has a net worth ratio of 8.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.48%, 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, Southland Credit Union's net worth ratio is 8.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.56%
- Delinquency ratio (60+ days) (Q2 2026): 1.48%
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 82.71%
Southland Credit Union (NCUA charter 68415, established 1934) reported $1.31B in assets and 70,143 members for Q2 2026 from Los Alamitos, California. It ranks 54 of 238 credit unions in California by total assets. Total assets grew 3.2% from $1.27B on June 30, 2025. It has 392 more members than on June 30, 2025 (+0.6%). Its net worth ratio was down 0.02 percentage points from 8.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $477.5M of $869.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.48% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.58% for Q1 2026; 8.58% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.49% for Q1 2026; 1.18% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.46% for Q1 2026; 0.21% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 87.00% for Q1 2026; 81.81% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $477.5M
- Commercial loans: $133.1M
- Used vehicle loans: $124.8M
- New vehicle loans: $60.5M
- Unsecured credit card loans: $36.8M
- Other unsecured loans and lines of credit: $33.2M
- Non-federally guaranteed student loans: $2.4M
- Other secured non-real estate loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.31B | 8.56% | 1.48% | 0.19% | 82.71% |
| March 31, 2026 | $1.29B | 8.58% | 0.49% | 0.46% | 87.00% |
| December 31, 2025 | $1.32B | 8.52% | 0.79% | 0.26% | 80.14% |
| September 30, 2025 | $1.28B | 8.62% | 0.95% | 0.43% | 81.50% |
| June 30, 2025 | $1.27B | 8.58% | 1.18% | 0.21% | 81.81% |
| March 31, 2025 | $1.27B | 8.61% | 0.59% | -0.14% | 80.10% |
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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.
Southland Credit Union profile
Regulator records: NCUA credit union profile (charter 68415) · FFIEC NIC profile (RSSD 673691)
Frequently asked questions
Is Southland Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Southland Credit Union's net worth ratio is 8.56%, above the 7% NCUA threshold for well capitalized.
Is Southland Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Southland Credit Union is a federally insured credit union (NCUA charter 68415): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Southland Credit Union's key safety ratios?
For Q2 2026, Southland Credit Union reports net worth 8.56%, delinquency 1.48%, ROA 0.19%, loan-to-share 82.71%.
What happens to my money if Southland Credit Union fails?
For Q2 2026, Southland Credit Union held $1.05B in shares and deposits for 70,143 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.