Southland Credit Union
Total assets
$1.29B
▲ +1.6% YoY
Shares & deposits
$1.07B
▼ -3.3% YoY
Loans
$928.6M
▲ +5.0% YoY
Members
70,427
▲ +0.5% YoY
ROA (annualized)
0.46%
peers 0.71%
ROE (annualized)
5.40%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Southland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.1% | -3.6 pts |
| Share growth (YoY) | -3.3% | +4.9% | -8.2 pts |
| Loan growth (YoY) | +5.0% | +5.4% | -0.4 pts |
| ROA | 0.46% | 0.71% | -0.2 pts |
| ROE | 5.4% | 6.3% | -0.9 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1944
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P. O. Box 3003, Los Alamitos, CA, 90720
- NCUA charter #
- 68415
- RSSD ID
- 673691
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.29B | $1.07B | $928.6M | $110.7M | $1.5M | 0.46% | 3.13% | 0.49% | 70,427 |
| Q4 2025 | $1.32B | $1.14B | $914.6M | $109.5M | $2.4M | 0.18% | 2.92% | 0.79% | 70,936 |
| Q3 2025 | $1.28B | $1.11B | $904.6M | $109.7M | $1.6M | 0.16% | 2.98% | 0.95% | 70,752 |
| Q2 2025 | $1.27B | $1.10B | $896.2M | $108.3M | $195K | 0.03% | 2.97% | 1.18% | 69,751 |
| Q1 2025 | $1.27B | $1.10B | $884.1M | $107.6M | $-458K | -0.14% | 2.91% | 0.59% | 70,063 |
| Q4 2024 | $1.26B | $1.09B | $890.1M | $100.8M | $-4.0M | -0.32% | 2.73% | 0.55% | 70,059 |
| Q3 2024 | $1.24B | $1.06B | $891.9M | $105.3M | $-591K | -0.06% | 2.75% | 0.49% | 70,221 |
| Q2 2024 | $1.22B | $1.04B | $866.8M | $106.0M | $117K | 0.02% | 2.68% | 0.54% | 69,909 |
Loan mix (Q1 2026): real estate $530.5M · commercial $136.2M · consumer $258.4M · securities $214.6M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Southland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.71% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 6.3% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.32% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 73.0% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Southland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Southland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Southland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Southland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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