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
Call Report peers
Southwest Heritage in the assets neighbourhood
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Southwest Heritage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southwest Heritage sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Red River Employees (#70) ties at 92/100; one place down, Irving City Employees (#72) ties at 92/100.
How Southwest Heritage's 5300 filing moved
Southwest Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $261.1M (2025Q4) to $262.5M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.66% → 12.88%).
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
Southwest Heritage gives up 8 points in total. Member Growth costs the most, 6.4 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 23.8 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Southwest Heritage financially healthy?
Southwest Heritage has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #770 of 4,374 nationally on health and #71 of 386 in Texas. Its net worth ratio is 12.88% and its delinquency rate 0.62%.
How does Southwest Heritage compare to other credit unions?
Southwest Heritage scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.88% vs 12.11%). Its widest shortfall is loan-to-share ratio (70.17% vs 72.20%).
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?
Southwest Heritage is a state-chartered 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 Heritage's net worth ratio of 12.88% 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.