Southwest Heritage

Odessa, TX · 2 · Charter #60533 · www.swhcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$261.1M
5th percentile
Members
13,017
5th percentile
Total loans
$159.3M
7th percentile
Total shares
$223.8M
3th percentile

Profitability

Return on assets
1.23%
68th percentile
Net interest margin
3.76%
70th percentile
Efficiency ratio
56.27%
63th percentile
Non-interest income ratio
18.27%
45th percentile

Capital & Risk

Net worth ratio
12.66%
74th percentile
Delinquency rate
0.62%
59th percentile
Net charge-off rate
0.38%
56th percentile
Loan-to-share
71.18%
28th percentile

Growth

Member growth YoY
-0.22%
41th percentile
Asset growth YoY
8.85%
80th percentile
Loan growth YoY
-3.11%
13th percentile
Share growth YoY
8.49%
82th percentile

Operations

Members / branch
2,603
9th percentile
Assets / member
$20,056
76th percentile
Field of membership penetration
6.51%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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