SOUTHERN
Federal • Houston, Texas • Est. 1954
Quick Facts
- Charter Number
- #9214
- Type
- Federal
- Established
- 1954
- Headquarters
- Houston, Texas 77252-2765
- Address
- P.O. Box 2765
- Branches
- 1
- ATMs
- 1
- Members
- 3,673
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
3,673 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERN |
|---|---|
| Total Assets | $76.1M |
| Members | 3,673 |
| Loans Outstanding | $32.8M |
| Shares & Deposits | $42.4M |
| Net Worth | $33.7M |
| Net Worth Ratio | 44.29% |
| Loan-to-Share Ratio | 77.3% |
| Delinquency Rate | 3.81% |
| Net Income | +$316,701 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Southern FCU
Main Office1414 Enclave Pkwy Ste 250
Houston, TX 77077-2023
Who Can Join SOUTHERN?
Membership Type: Community
Membership eligibility for SOUTHERN may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHERN directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Browse all federally insured credit unions in Texas, ranked by assets, members, and financial health score.
View Texas RankingsFrequently Asked Questions
Yes. SOUTHERN is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SOUTHERN has 3,673 members and a potential membership field of 5,500 people.
SOUTHERN's net worth ratio is 44.29% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 44.3%, SOUTHERN meets this threshold.
SOUTHERN operates 1 branch location and has access to 1 ATMs. The main office is located at 1414 Enclave Pkwy Ste 250, Houston, TX 77077-2023.
SOUTHERN was established in 1954. It is a federal credit union chartered under charter number 9214. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERN. All financial data is for informational purposes only.