Federal credit union · Dallas, Texas · NCUA charter #22157
Southwest Airlines
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $846.2M
- Total assets
- 59,844
- Members
- 11.4%
- Net-worth ratio
Southwest Airlines scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $846.2M; members 59,844; net-worth ratio 11.38%; health rank #649 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#649 of 4,374 health · 2025Q4Southwest Airlines · health 93/100 · $846.2M · 2025Q4
Call Report peers
Southwest Airlines in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southwest Airlines vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southwest Airlines sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Southwest Airlines diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.22 pp (0.65% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.42 pp (80.48% vs 83.90%).
Southwest Airlines: in-state Call Report ranks
- In Texas, health place is #59 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #44 of 386.
- Member book place in Texas: #41 of 386.
- One place up in Texas, Texoma Community (#58) ties at 93/100; one place down, LAREDO (#60) ties at 93/100.
How Southwest Airlines's 5300 filing moved
Southwest Airlines: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $846.2M (2025Q4) to $870.0M (2026Q1).
- Net-worth ratio shifted -0.23 pp (11.61% → 11.38%).
11.38% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Southwest Airlines gives up 7 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Southwest Airlines
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.38% | +0.20 pp |
| Delinquency Rate | 0.65% | -0.22 pp |
| Return on Assets | 0.54% | +0.03 pp |
| Member Growth | 0.20% | - |
| Loan-to-Share Ratio | 80.48% | -3.42 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Southwest Airlines quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $870.0M | - |
| 2025Q4 | $846.2M | 59,844 |
| 2024Q4 | $799.2M | 59,723 |
| 2023Q4 | $776.4M | 58,819 |
Credit Union Details
- Charter Number
- 22157
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Southwest Airlines runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Euless Branch | Euless, TX |
| Houston Branch | Houston, TX |
| Phoenix Branch | Phoenix, AZ |
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.
Nationwide credit unions with similar profiles
Using this data
- Southwest Airlines ranks #649 of 4,374 nationally on financial health and #59 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INTOUCH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INTOUCH
Frequently Asked Questions
Is Southwest Airlines financially healthy?
Southwest Airlines has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #649 of 4,374 nationally on health and #59 of 386 in Texas. Its net worth ratio is 11.38% and its delinquency rate 0.65%.
How does Southwest Airlines compare to other credit unions?
Southwest Airlines scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.65% vs 0.87%). Its widest shortfall is loan-to-share ratio (80.48% vs 83.90%).
How can I join Southwest Airlines?
Southwest Airlines 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 Southwest Airlines directly for the exact boundaries and application steps.
Is my money safe at Southwest Airlines?
Southwest Airlines 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. Southwest Airlines's net worth ratio of 11.38% 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.