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

Southern Federal Credit Union is headquartered in Houston and is the 127th largest credit union in the state of Texas. It is also the 1,649th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 9 employees and 4,348 members at 1 location. Southern Federal Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.


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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

NCUA #9214
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD4.6%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$92.7MM$90.3MM
LoansQ3 2016vs Q3 2015$54.9MM$64.3MM
DepositsQ3 2016vs Q3 2015$65.4MM$64.9MM
Equity CapitalQ3 2016vs Q3 2015$25.9MM$24.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.5MM$950.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.8MM$1.2MM
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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Southern Federal Credit Union Savings Account Rates

1.00%*$25k*-Share Savings
OTHER TIERS: 0.50% $100 - $10k | 0.75% $10k - $25k
1.00%*$25k*-Christmas Club
OTHER TIERS: 0.50% $100 - $10k | 0.75% $10k - $25k

Southern Federal Credit Union Checking Account Rates

0.50%$250-Advantage Checking
0.50%$250-Elite Checking
0.50%$250-Prime Checking

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