State credit union · ODESSA, Texas · NCUA charter #67550
Southwest 66
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $112.3M
- Total assets
- 9,510
- Members
- 10.9%
- Net-worth ratio
Southwest 66 scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $112.3M; members 9,510; net-worth ratio 10.93%; health rank #963 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#963 of 4,374 health · 2025Q4Southwest 66 · health 91/100 · $112.3M · 2025Q4
- ROA 91/100
- ASSETS 10.9%
- MEM 0.70%
- RANK 0.57%
- PHOTO $112.3M
- BOOK 9,510
- CHARTER #963/4,374
- NCUSIF L G & W
- CAMELS 67550
Call Report peers
Southwest 66 in the assets neighbourhood
Southwest 66's $112.3M assets sit next to L G & W ($112.5M) 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.
Southwest 66 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
Southwest 66 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67550: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Southwest 66 vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 77.60% here, 72.20% peer average (+5.40 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.18 pp (10.93% 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.
Where Southwest 66 sits in Texas
- Health composite ranks #93 of 386 among scored Texas credit unions.
- Assets rank #139 of 386 inside Texas ($112.3M reported).
- Membership ranks #132 of 386 among Texas CUs with a reported count (9,510 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southwest 66 Call Report trajectory
Southwest 66: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $112.3M (2025Q4) to $114.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.98% → 10.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.93% 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 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 14.6 pts
Southwest 66 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.93% | -1.18 pp |
| Delinquency Rate | 0.70% | -0.19 pp |
| Return on Assets | 0.57% | -0.06 pp |
| Member Growth | -0.34% | - |
| Loan-to-Share Ratio | 77.60% | +5.40 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $114.4M | - |
| 2025Q4 | $112.3M | 9,510 |
| 2024Q4 | $105.2M | 9,542 |
| 2023Q4 | $103.1M | 9,015 |
Credit Union Details
- Charter Number
- 67550
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- ODESSA
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Southwest 66 runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Odessa, TX |
| Midland Branch | Midland, TX |
| West Branch | Odessa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Southwest 66 nationwide neighbourhoods
Cross-state asset and health neighbours for Southwest 66 - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($112.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Southwest 66 ranks #963 of 4,374 nationally on financial health and #93 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VALLEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VALLEY
- 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 Southwest 66 financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Southwest 66's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #963 of 4,374; by total assets it ranks #1,732 of 4,374 nationally (same basis as /rankings/largest); and #139 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.93% net worth ratio and 0.70% delinquency rate are the key drivers.
How does Southwest 66 compare to other credit unions?
91/100 is Southwest 66's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Southwest 66?
Membership eligibility for Southwest 66 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southwest 66 directly for current membership requirements and application steps.
Is my money safe at Southwest 66?
Federal credit unions like Southwest 66 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. Southwest 66's net worth ratio of 10.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southwest 66 offer compared to banks?
Credit unions like Southwest 66 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 Southwest 66 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.