Federal credit union · Farmers Branch, Texas · NCUA charter #15327
Southwest Financial
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $86.5M
- Total assets
- 7,573
- Members
- 14.7%
- Net-worth ratio
Southwest Financial - Share Insurance Coverage
Charter #15327's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Southwest Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)57
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)67
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.74% | 30% |
| Delinquency Rate | 1.77% | 25% |
| Return on Assets | -0.60% | 15% |
| Member Growth | -8.52% | 15% |
| Loan-to-Share Ratio | 101.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Southwest Financial
7,573 members and $86.5M in total assets sit behind Southwest Financial, a federal credit union in Farmers Branch, Texas, which posts a health score of 54/100 (Fair) on the five-factor composite, with $73.8M in outstanding loans as of Q4 2025 and a net worth ratio of 14.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #15327 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
1.77% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 101.20% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.60% on net income of $-515153 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 -8.52%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Financial financially healthy?
Southwest Financial scores 54/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.74% net worth ratio and a 1.77% delinquency rate.
How does Southwest Financial compare to other credit unions?
On PlainCU's health composite, Southwest Financial lands at 54/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Southwest Financial 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 Financial's net worth ratio of 14.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southwest Financial offer compared to banks?
Credit unions like Southwest Financial 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 Financial 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.