Southwest Financial

Farmers Branch, TX · 1 · Charter #15327 · www.swfinancial.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$86.5M
36th percentile
Members
7,573
50th percentile
Total loans
$73.8M
61th percentile
Total shares
$54.5M
15th percentile

Profitability

Return on assets
2.38%
97th percentile
Net interest margin
6.27%
100th percentile
Efficiency ratio
63.45%
48th percentile
Non-interest income ratio
26.90%
88th percentile

Capital & Risk

Net worth ratio
14.74%
75th percentile
Delinquency rate
1.77%
13th percentile
Net charge-off rate
2.22%
2th percentile
Loan-to-share
135.33%
100th percentile

Growth

Member growth YoY
-8.52%
4th percentile
Asset growth YoY
4.23%
53th percentile
Loan growth YoY
1.53%
51th percentile
Share growth YoY
-1.43%
15th percentile

Operations

Members / branch
7,573
95th percentile
Assets / member
$11,427
23th percentile
Field of membership penetration
30.29%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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