Southland

Lufkin, TX · 1 · Charter #15815 · www.southlandfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$86.4M
35th percentile
Members
7,044
45th percentile
Total loans
$40.6M
28th percentile
Total shares
$71.7M
34th percentile

Profitability

Return on assets
1.55%
79th percentile
Net interest margin
3.13%
23th percentile
Efficiency ratio
43.84%
91th percentile
Non-interest income ratio
19.83%
63th percentile

Capital & Risk

Net worth ratio
14.34%
72th percentile
Delinquency rate
0.55%
62th percentile
Net charge-off rate
0.80%
15th percentile
Loan-to-share
56.58%
30th percentile

Growth

Member growth YoY
2.89%
85th percentile
Asset growth YoY
7.71%
80th percentile
Loan growth YoY
-4.88%
18th percentile
Share growth YoY
8.46%
83th percentile

Operations

Members / branch
3,522
59th percentile
Assets / member
$12,260
31th percentile
Field of membership penetration
70.44%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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