Credit union · NCUA insured
Southern FCU
A $77.6M credit union headquartered in Houston, TX, with 3,655 members and 1 branch in Texas. Best rates: CDs 4.25% and savings 1.75% APY.
Southern FCU Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#37 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern FCU
- Headquarters
- 1414 Enclave Pkwy Ste 250, Houston, TX 77077-2023
- NCUA charter
- 9214
Branches
1 branch in Texas
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Texas
1 branch
- Southern FCUMain office1414 Enclave Pkwy Ste 250, Houston, TX 77077Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 44.47% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $71 | $59 | — |
- CapitalNet worth ratio44.47%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$71Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Southern FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.