Federal credit union · San Antonio, Texas · NCUA charter #10913
Southwest Research Center
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $85.8M
- Total assets
- 5,370
- Members
- 11.4%
- Net-worth ratio
Southwest Research Center scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $85.8M; members 5,370; net-worth ratio 11.40%; health rank #950 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#950 of 4,374 health · 2025Q4Southwest Research Center · health 91/100 · $85.8M · 2025Q4
Call Report peers
Southwest Research Center in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southwest Research Center vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southwest Research Center sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Southwest Research Center: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.34 pp (0.63% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.01 pp (55.59% vs 62.60%).
Where Southwest Research Center sits in Texas
- Texas health ordinal: #90 of 386.
- Assets rank #159 of 386 inside Texas ($85.8M reported).
- Texas membership ordinal: #170 of 386.
- One place up in Texas, CAL-COM (#89) ties at 91/100; one place down, Concho Valley (#91) ties at 91/100.
Southwest Research Center: 2025Q4 → 2026Q1
Southwest Research Center: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $85.8M (2025Q4) to $86.0M (2026Q1).
- Net-worth ratio shifted +0.19 pp (11.21% → 11.40%).
At 11.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Southwest Research Center gives up 9 points in total. Member Growth costs the most, 4.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 12.0 pts
Southwest Research Center health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | -2.22 pp |
| Delinquency Rate | 0.63% | -0.34 pp |
| Return on Assets | 0.78% | +0.13 pp |
| Member Growth | 1.05% | - |
| Loan-to-Share Ratio | 55.59% | -7.01 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Southwest Research Center quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $86.0M | - |
| 2025Q4 | $85.8M | 5,370 |
| 2024Q4 | $84.1M | 5,314 |
| 2023Q4 | $83.5M | 4,934 |
Credit Union Details
- Charter Number
- 10913
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Southwest Research Center runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | San Antonio, TX |
| SWRI Office | San Antonio, 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.
Cross-state Call Report peers for Southwest Research Center
Using this data
- Southwest Research Center ranks #950 of 4,374 nationally on financial health and #90 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTEX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTEX
Frequently Asked Questions
Is Southwest Research Center financially healthy?
On its 2025Q4 NCUA 5300 filing, Southwest Research Center scores 91/100 (Excellent), with a 11.40% net worth ratio and 0.63% of loans delinquent. It ranks #950 of 4,374 nationally on health and #90 of 386 in Texas.
How does Southwest Research Center compare to other credit unions?
Southwest Research Center scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.63% vs 0.96%). Its widest shortfall is loan-to-share ratio (55.59% vs 62.60%).
How can I join Southwest Research Center?
Southwest Research Center 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 Research Center directly for the exact boundaries and application steps.
Is my money safe at Southwest Research Center?
Southwest Research Center 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 Research Center's net worth ratio of 11.40% 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.