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

Southern Federal Credit Union is headquartered in Houston and is the 134th largest credit union in the state of Texas. It is also the 1,708th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 9 employees and 4,174 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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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 - YTD1.69%
Return on Equity - YTD5.36%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$90.3MM$92.7MM
LoansQ3 2018vs Q3 2017$53.7MM$53.4MM
DepositsQ3 2018vs Q3 2017$59.9MM$64.1MM
Equity CapitalQ3 2018vs Q3 2017$28.9MM$27.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.6MM$1.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.2MM$1.2MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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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

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

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

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