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
Call Report peers
Members Trust of the Southwest in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Members Trust of the Southwest sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, GULF (#96) ties at 91/100; one place down, Union Fidelity (#98) scores 90/100, 1 point lower.
Quarter path for Members Trust of the Southwest
Members Trust of the Southwest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $262.4M (2025Q4) to $267.5M (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.20% → 8.38%).
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
Members Trust of the Southwest gives up 9 points in total. Net Worth Ratio costs the most, 4.1 of its 30; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Members Trust of the Southwest financially healthy?
On its 2025Q4 NCUA 5300 filing, Members Trust of the Southwest scores 91/100 (Excellent), with a 8.38% net worth ratio and 0.21% of loans delinquent. It ranks #1,018 of 4,374 nationally on health and #97 of 386 in Texas.
How does Members Trust of the Southwest compare to other credit unions?
Members Trust of the Southwest scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.83% vs 72.20%). Its widest shortfall is net worth ratio (8.38% vs 12.11%).
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?
Members Trust of the Southwest is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.