Federal credit union · Houston, Texas · NCUA charter #1584
Members Trust of the Southwest
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $262.4M
- Total assets
- 8,768
- Members
- 8.4%
- Net-worth ratio
Members Trust of the Southwest scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $262.4M; members 8,768; net-worth ratio 8.38%; health rank #1,018 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,018 of 4,374 health · 2025Q4Members Trust · health 91/100 · $262.4M · 2025Q4
- CHARTER 91/100
- NCUSIF 8.4%
- CAMELS 0.21%
- HEALTH 0.39%
- NW $262.4M
- DELQ 8,768
- ROA #1,018/4,374
- ASSETS Gold Coast
- MEM 1584
Call Report peers
Members Trust of the Southwest in the assets neighbourhood
Members Trust of the Southwest's $262.4M assets sit next to Gold Coast ($262.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members Trust of the Southwest vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Members Trust of the Southwest - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1584: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Members Trust of the Southwest vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 84.83% here, 72.20% peer average (+12.63 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.73 pp (8.38% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Members Trust of the Southwest: in-state Call Report ranks
- In Texas, health place is #97 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Members Trust of the Southwest is #88 of 386 in Texas.
- Member book place in Texas: #139 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Members Trust of the Southwest
Members Trust of the Southwest: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $262.4M (2025Q4) to $267.5M (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.20% → 8.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.3 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 14.6 pts
Members Trust health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.38% | -3.73 pp |
| Delinquency Rate | 0.21% | -0.68 pp |
| Return on Assets | 0.39% | -0.23 pp |
| Member Growth | 2.55% | - |
| Loan-to-Share Ratio | 84.83% | +12.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Members Trust of the Southwest
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $267.5M | - |
| 2025Q4 | $262.4M | 8,768 |
| 2024Q4 | $243.3M | 8,550 |
| 2023Q4 | $230.2M | 8,292 |
Credit Union Details
- Charter Number
- 1584
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Members Trust of the Southwest, spread across 2 cities.
| Office | City |
|---|---|
| Houston (Main Office) | Houston, TX |
| Stephenville | Stephenville, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near Members Trust of the Southwest
Two NCUA Call Report peer sets for Members Trust of the Southwest, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($262.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Members Trust of the Southwest ranks #1,018 of 4,374 nationally on financial health and #97 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Energy Capital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Energy Capital
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Members Trust of the Southwest financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Members Trust of the Southwest carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,018 of 4,374; by total assets it ranks #1,104 of 4,374 nationally (same basis as /rankings/largest); and #88 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.38% net worth ratio and a 0.21% delinquency rate.
How does Members Trust of the Southwest compare to other credit unions?
Five weighted metrics from NCUA filings produce Members Trust of the Southwest's 91/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Members Trust of the Southwest?
Members Trust of the Southwest operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Members Trust of the Southwest directly for the exact boundaries and application steps.
Is my money safe at Members Trust of the Southwest?
Federal credit unions like Members Trust of the Southwest are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Members Trust of the Southwest's net worth ratio of 8.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Trust of the Southwest offer compared to banks?
Credit unions like Members Trust of the Southwest are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Members Trust of the Southwest directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.