State credit union · ODESSA, Texas · NCUA charter #67550
Southwest 66
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $112.3M
- Total assets
- 9,510
- Members
- 11.0%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth56
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.98% | 30% |
| Delinquency Rate | 0.70% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | -0.34% | 15% |
| Loan-to-Share Ratio | 77.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Southwest 66
Southwest 66 is a state credit union headquartered in ODESSA, Texas, serving 9,510 members with $112.3M in total assets and $77.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 91/100 (Excellent), anchored by a net worth ratio of 10.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67550 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.70% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 77.60% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.57% on net income of $638K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.34%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.98% 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 10.98% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.