SOUTHLAND
Charter #15815 · Lufkin, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.33% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.22% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.43% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.74% sits at the 77th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 56th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOUTHLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $87.79M | 80th pct | 64th pct |
| Members | 7,111 | 81th pct | 56th pct |
| Net worth ratio | 14.33% | 65th pct | 75th pct |
| Return on average assets | 0.88% | 60th pct | 44th pct |
| Net interest margin | 3.22% | 25th pct | 11th pct |
| Cost of funds | 2.43% | 96th pct | 98th pct |
| Loan-to-share | 52.91% | 36th pct | 44th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 33th pct |
| Net charge-off ratio | 0.74% | 82th pct | 77th pct |
| Loan growth YoY | -5.25% | 17th pct | 16th pct |
| Share growth YoY | 2.49% | 46th pct | 30th pct |
| Efficiency ratio | 75.71% | 39th pct | 52th pct |
structural peer set hash: dd07b22a95a680bc5475439dbef24486… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTHLAND
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.