State credit union · Odessa, Texas · NCUA charter #60533
Southwest Heritage
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $261.1M
- Total assets
- 13,017
- Members
- 12.9%
- Net-worth ratio
Southwest Heritage scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $261.1M; members 13,017; net-worth ratio 12.88%; health rank #770 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#770 of 4,374 health · 2025Q4Southwest Heritage · health 92/100 · $261.1M · 2025Q4
- PHOTO 92/100
- BOOK 12.9%
- CHARTER 0.62%
- NCUSIF 1.13%
- CAMELS $261.1M
- HEALTH 13,017
- NW #770/4,374
- DELQ ONE
- ROA 60533
Call Report peers
Southwest Heritage in the assets neighbourhood
Southwest Heritage's $261.1M assets sit next to ONE ($261.1M) 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 Heritage 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
92 Top 20% higher than 80% 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 Heritage - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60533 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Southwest Heritage
- Largest favorable gap: Net Worth Ratio at 12.88% vs peer 12.11% (+0.77 pp).
- Loan-to-Share Ratio trails the peer set - 70.17% here, 72.20% peer average (-2.03 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Southwest Heritage
- Health composite ranks #71 of 386 among scored Texas credit unions.
- By total assets, Southwest Heritage is #90 of 386 in Texas.
- Membership ranks #109 of 386 among Texas CUs with a reported count (13,017 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.
How Southwest Heritage's 5300 filing moved
Southwest Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $261.1M (2025Q4) to $262.5M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.66% → 12.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Southwest Heritage
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.88% | +0.77 pp |
| Delinquency Rate | 0.62% | -0.27 pp |
| Return on Assets | 1.13% | +0.51 pp |
| Member Growth | -0.22% | - |
| Loan-to-Share Ratio | 70.17% | -2.03 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).
Call Report history - Southwest Heritage
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $262.5M | - |
| 2025Q4 | $261.1M | 13,017 |
| 2024Q4 | $239.8M | 13,046 |
| 2023Q4 | $223.2M | 12,999 |
Credit Union Details
- Charter Number
- 60533
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Odessa
- Data Quarter
- 2025Q4
Branch Locations (5)
Southwest Heritage operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Faudree (Main Office) | Odessa, TX |
| Main Office | Odessa, TX |
| West Branch | Odessa, TX |
| West Loop Branch | Odessa, TX |
| Wink Office | Wink, 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.
Other-state peers near Southwest Heritage
Cross-state asset and health neighbours for Southwest Heritage - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($261.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Southwest Heritage ranks #770 of 4,374 nationally on financial health and #71 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Energy Capital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Energy Capital
- 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 Heritage financially healthy?
Southwest Heritage scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #770 of 4,374; by total assets it ranks #1,109 of 4,374 nationally (same basis as /rankings/largest); and #90 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.88% net worth ratio and a 0.62% delinquency rate.
How does Southwest Heritage compare to other credit unions?
Southwest Heritage scores 92/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Heritage?
Membership eligibility for Southwest Heritage depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southwest Heritage directly for current membership requirements and application steps.
Is my money safe at Southwest Heritage?
Federal credit unions like Southwest Heritage 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 Heritage's net worth ratio of 12.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southwest Heritage offer compared to banks?
Credit unions like Southwest Heritage 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 Heritage 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.