# SOUTHLAND
Lufkin, TX · NCUA charter 15815 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southland-15815

Who the members are: federal charter, community charter, organized 1963, low-income designated. 7,111 members of 10,000 potential (71.1% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $87.8M |
| Members | 7,111 (2.9% YoY) |
| Full-time staff | 17 |
| Net worth | $12.6M |
| Net worth ratio | 14.3% (p65 of band) |
| ROA (annualized) | 0.87% (p61 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.75% (p82 of band) |
| Loans / shares | 53% (p36 of band) |
| Cash / assets | 34.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p24 of band) |
| Operating expense / assets | 3.36% (p43 of band) |
| Vehicles % of loans | 67% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.38% (p39 of band) |
| Vehicle NCO | 0.43% (p62 of band) |
| Repossessed % of vehicle book | 0.11% (p85 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 46% |
| Average share balance | $5,853 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $11,615 |
| Loans granted, annualized | $18.0M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | delinquency 2x band, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 3 |  | charge-offs p90 |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | repo signal |
| 2019-09 | 3 | repo signal |  |
| 2019-12 | 3 | charge-offs p90 | repo signal |
| 2020-03 | 4 | repo signal |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 6 | margin squeeze |  |
| 2020-12 | 5 |  | repo signal |
| 2021-03 | 6 | repo signal |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 3 |  | margin squeeze, repo signal |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band |  |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | repo signal |  |
| 2025-12 | 2 | delinquency rising | repo signal |
| 2026-03 | 1 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Raiz FCU Slashes Account Opening Times from Nine Days to Four Minutes with Alkami - FF News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUFBuQ2JVVWZJWHdXUUpZY1FDQXNKME4wV1pLZVhSTHA2cURuaVZ2ZGhWUWowcW8ydVA0bmJkd05Fb3l3bC1OejBPeUJYOEV6am1qd1k5bXBmcmsxVHNHOFJFR2Q5OXl1Z216akxPc3Y0MnpjLW9PSjI5Qy1NeW1aTHdjaGdGRzhDa01qeDh3STdya2s1S190RQ?oc=5) · FF News
- 2026-08-27 [This CD is offering 9%, and another 7.5% — plus 8 more of the best CD APYs of August 2026 - MarketWatch](https://news.google.com/rss/articles/CBMixgFBVV95cUxPTHpwR0Y5YTlwYThlOFlVdkd4NmdtcXdPRXBoMTY4MDd4UWJOajFjNko3eThOV2VPT1ZPMEs3MXFDUHZ2MlNRRmozTWY3TE9iV3FWamxPRlAxSFRkZ1p1QUZvRVR6dUhmQklFdU16a252VldWTW10RWFHRFFhcWtYcFFaTkhKQkIyUy0wQXhvU2NXQmV6WUNVQjNPT3JWcGhEY1lPakg5VDc1LXdGbkRjS1VRdldNSHI3VnNnczdfdUxMSEE3dmc?oc=5) · MarketWatch
- 2026-07-13 [Reigning Southland Champion UTRGV Volleyball Announces Full 2026 Schedule, Opens Season Aug. 28 - goutrgv.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQTXZ1N1Q1ZWI5X0RfdmtJa3M2UmtaUEdjS20zUW4tU2VKYXFPZnFsX1htNnJFOTI3RjdOem1NQUE2cndFX2JoQm9SRHhDRVlfZ3IyMVR4YkNpOXEyM2hZeGduT2l6T1lzWmlZZGhPUzFjaVRrTGNTZVptODVPM2RVRFIwRGFYUVdnT0xCenRxN0hkWjFtb1JLUHhWTjIyNld2Z0xXOGx4TWdJTTBJMklDYU9VYmJ6MGlqSkxBQ01KclIzRlBWNjFsdUl6ZnBGUQ?oc=5) · goutrgv.com
- 2026-04-29 [Reigning Southland Champion Volleyball Releases 2026 Conference Schedule - goutrgv.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZDczUnVfTF9vVkpaSF9URFZiTTB5YzhielZRN0p0WnpSU2ozMHlnUXVNenJTbFFfMTE3VHk2ZkEwV2R3UmFDQkpZekZ1YVNaVEFPX0dMOGJDbUdhbk52bHVyLVdPVVBLMkszRG9PT0F1UVZGS0R1YWg1Q2FQR0hCT3dCdk1QcllZU1E1ZzJnM1Rlc3o1MXpjUy10T3gyV2N1R3owT18yUGpFa0F6ZEoweWRR?oc=5) · goutrgv.com
- 2026-01-26 [Charles Carter Obituary - Lufkin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeUZ6VERXaHAtMXhPM25LbWoyQlVaUGtoc2ZZQzkyc3dRczB4dF9jblM5cGpweXNJUUZDS1ZMYzYwcllfbVR2WEp5Q3E3TEdMc1U5ZHFxNlgxWDBBTEswZFhfTzdOM1NFWGdGeG9Sd1lJTU1FOUEyaGNiU1lwNHB4aHdB?oc=5) · Dignity Memorial
- 2026-05-29 [This CD is offering 9% — plus, 9 more of the top APYs of May 2026 - MarketWatch](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNS1CNU5iaVVHeWFTUkJBV2pHdXcwaW0zdFFjSEdCWXR2RGtvSVpnWENlMG5UekRtdnlVMnJydzUyeU4wRUN0c0t6SEhzQk9LaFFHRjVMT05JUUtXeUJYdnlaRHY4TktVSkdvY3FXTTlxOXA0NkN2NDJiY0J3eTNCcVJuTWVKSk1EeTdtaWpaMVJ4NnB5dmtEMllBM1c0SUZVYVJQd3pZYw?oc=5) · MarketWatch
- 2019-09-25 [The Best Credit Unions to Work For with assets from $500M - $1B - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdGI3cm93dUJrUDF5ZmFPS0JkckhLVmM4aDlOSnA1QmM5TGlOelBSajdJWlh2THluNVFHaGQ1ZUpmUFFlTVJNM2Y1bFZ1TVJwVWN2RDFwRWNGbDVPd2NMT3NKTG9HN0psbndnd3NDMUtkR0xOampnT1Y5T213Sm1xVjllNEt2S1dUNy1MOTRCdkdOZEFtblk1V196MXdaUGd5Z0E?oc=5) · American Banker
- 2026-04-20 [UTRGV Athletics Announces Student-Athlete Awards - goutrgv.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZjF1NGpCQ0VSTURSaEViWnRpMzRJdDJZbGY4YmVqYlMwMWNVNGQ4MkFwS09iZVQ0SUpFN3pLaFRlendWYzd4VkFvNU56amNnamhBRHNLd3hBWk1aWTY1endKMDFraGY2eFlSTnUwLUZuaUVCLTh2ZkpIckxCTEFzODVmdENFaFRjb29MWEdXNlAwRmlPWFdzelNlNERYSGtPTW5PVnYyVW0?oc=5) · goutrgv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15815 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "15815", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15815
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide