Federal credit union · Farmers Branch, Texas · NCUA charter #15327
Southwest Financial
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $86.5M
- Total assets
- 7,573
- Members
- 14.4%
- Net-worth ratio
Southwest Financial scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.5M; members 7,573; net-worth ratio 14.44%; health rank #4,201 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,201 of 4,374 health · 2025Q4Southwest Financial · health 54/100 · $86.5M · 2025Q4
Call Report peers
Southwest Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southwest Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southwest Financial sits in 50-54 with 82 others.
54 4th percentile higher than 4% 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 Financial diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 101.20% here, 62.60% peer average (+38.60 pp).
- Return on Assets trails the peer set - -0.60% here, 0.66% peer average (-1.25 pp).
Where Southwest Financial sits in Texas
- Health composite ranks #371 of 386 among scored Texas credit unions.
- By total assets, Southwest Financial is #155 of 386 in Texas.
- Texas membership ordinal: #149 of 386.
- One place up in Texas, Cowboy Country (#370) scores 55/100, 1 point higher; one place down, INTOUCH (#372) ties at 54/100.
Southwest Financial Call Report trajectory
Southwest Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $86.5M (2025Q4) to $88.9M (2026Q1).
- Net-worth ratio shifted -0.30 pp (14.74% → 14.44%).
14.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
Southwest Financial gives up 46 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.44% | +0.82 pp |
| Delinquency Rate | 1.77% | +0.81 pp |
| Return on Assets | -0.60% | -1.25 pp |
| Member Growth | -8.52% | - |
| Loan-to-Share Ratio | 101.20% | +38.60 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Southwest Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $88.9M | - |
| 2025Q4 | $86.5M | 7,573 |
| 2024Q4 | $83.0M | 8,278 |
| 2023Q4 | $82.6M | 8,810 |
Credit Union Details
- Charter Number
- 15327
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Farmers Branch
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Southwest Financial.
| Office | City |
|---|---|
| Main Office (Main Office) | Farmers Branch, 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.
Nationwide credit unions with similar profiles
Using this data
- Southwest Financial ranks #4,201 of 4,374 nationally on financial health and #371 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U. S. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U. S. Employees
Frequently Asked Questions
Is Southwest Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Southwest Financial scores 54/100 (Fair), with a 14.44% net worth ratio and 1.77% of loans delinquent. It ranks #4,201 of 4,374 nationally on health and #371 of 386 in Texas.
How does Southwest Financial compare to other credit unions?
Southwest Financial scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (101.20% vs 62.60%). Its widest shortfall is return on assets (-0.60% vs 0.66%).
How can I join Southwest Financial?
Southwest Financial 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 Financial directly for the exact boundaries and application steps.
Is my money safe at Southwest Financial?
Southwest Financial 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 Financial's net worth ratio of 14.44% 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.