Overview / Commentary
713-232-7774
4 Greenway Plz Ste C-816
Houston, TX 77046-0400

Southern Federal Credit Union is headquartered in Houston and is the 132nd largest credit union in the state of Texas. It is also the 1,692nd largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 9 employees and 4,189 members at 1 location. Southern Federal Credit Union's savings rates are 2X the national average, and it has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Southern Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #9214
Year Chartered1954
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD5.59%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$92.8MM$92.2MM
LoansQ2 2018vs Q2 2017$53.9MM$53.4MM
DepositsQ2 2018vs Q2 2017$63.0MM$64.1MM
Equity CapitalQ2 2018vs Q2 2017$28.6MM$27.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.6MM$1.6MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.2MM$1.4MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$100k*-Share Savings
OTHER TIERS: 0.50% $100 - $10k | 0.75% $10k - $25k | 1.00% $25k - $100k
1.25%*$100k*-Christmas Club
OTHER TIERS: 0.50% $100 - $10k | 0.75% $10k - $25k | 1.00% $25k - $100k
1.25%$500-IRA

Southern Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$250-Advantage Checking
0.50%$250-Elite Checking
0.50%$250-Prime Checking
Locations


Southern Federal Credit Union Locations
Branch Office4 Greenway Plz Ste C-816Houston, TX 77046-0400

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