Sep, 30, 2025 — SOUTHLAND FEDERAL CREDIT UNION is a federal credit union headquartered in LUFKIN, TX with 2 branch locations and about $85.69 million in total assets. Opened 63 years ago in 1963, SOUTHLAND FEDERAL CREDIT UNION has about 7,018 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SOUTHLAND FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2601 S John Redditt Dr LUFKIN, TX 75904-5624 |
| Phone: | (936) 639-2311 |
| Fax: | (936) 639-9854 |
| Website: | https://www.southlandfcu.com |
| Branches: | 2 branch locations |
| Members: | 7,018 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 15815 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1963 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $85,693,311 |
| CEO/Manager: | Kathy Harvey |
| Chairperson: | Tommy Edmonson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,186,249 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 4,258,296 |
| Other Loans | 37,544,752 |
| TOTAL LOANS | 41,803,048 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -311,473 |
| Land And Building | 1,216,451 |
| Other Fixed Assets | 62,900 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 680,961 |
| All Other Assets | 176,653 |
| TOTAL ASSETS | 85,693,311 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 927,220 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,679,874 |
| Regular shares | 26,597,815 |
| All Other Shares & Deposits | 40,755,917 |
| TOTAL SHARES & DEPOSITS | 73,033,606 |
| TOTAL LIABILITIES | 73,960,826 |
| Regular Reserve | 0 |
| Other Reserves | -439,132 |
| Undivided Earnings | 12,171,617 |
| TOTAL EQUITY | 11,732,485 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 85,693,311 |
| INCOME & EXPENSE | |
| Loan Income | 2,363,927 |
| Investment Income | 995,294 |
| Other Income | 427,272 |
| Total Employee Compensation & Benefits | 894,186 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 965,556 |
| Non-operating Income & (Expense) | -30,430 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 147,881 |
| Cost of Funds | 1,384,598 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 832,297 |
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