Federal credit union · TEXARKANA, Texas · NCUA charter #5325
SWEMP
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $11.8M
- Total assets
- 989
- Members
- 20.5%
- Net-worth ratio
SWEMP scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.8M; members 989; net-worth ratio 20.51%; health rank #2,050 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,050 of 4,374 health · 2025Q4SWEMP · health 84/100 · $11.8M · 2025Q4
Call Report peers
SWEMP in the assets neighbourhood
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SWEMP vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SWEMP sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SWEMP: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 98.09% vs peer 59.80% (+38.29 pp).
SWEMP in Texas
- Texas health ordinal: #185 of 386.
- Assets rank #291 of 386 inside Texas ($11.8M reported).
- Membership ranks #319 of 386 among Texas CUs with a reported count (989 members).
- One place up in Texas, West Texas (#184) scores 85/100, 1 point higher; one place down, ALBA-GOLDEN (#186) ties at 84/100.
Quarter path for SWEMP
SWEMP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $11.8M (2025Q4) to $12.3M (2026Q1).
- Net-worth ratio shifted -0.48 pp (20.99% → 20.51%).
This credit union's 20.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
SWEMP gives up 16 points in total. Member Growth costs the most, 7.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 11.0 pts
Call Report ratios for SWEMP
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.51% | +5.65 pp |
| Delinquency Rate | 0.94% | -0.21 pp |
| Return on Assets | 0.73% | +0.02 pp |
| Member Growth | -0.90% | - |
| Loan-to-Share Ratio | 98.09% | +38.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - SWEMP
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.3M | - |
| 2025Q4 | $11.8M | 989 |
| 2024Q4 | $11.5M | 998 |
| 2023Q4 | $11.2M | 945 |
Credit Union Details
- Charter Number
- 5325
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- TEXARKANA
- Data Quarter
- 2025Q4
Branch Location
SWEMP operates a single office in TEXARKANA, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SWEMP FEDERAL CU (Main Office) | TEXARKANA, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
SWEMP nationwide neighbourhoods
Similar total assets
Using this data
- SWEMP ranks #2,050 of 4,374 nationally on financial health and #185 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Baker Hughes is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Baker Hughes
Frequently Asked Questions
Is SWEMP financially healthy?
SWEMP has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,050 of 4,374 nationally on health and #185 of 386 in Texas. Its net worth ratio is 20.51% and its delinquency rate 0.94%.
How does SWEMP compare to other credit unions?
SWEMP scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (98.09% vs 59.80%).
How can I join SWEMP?
SWEMP 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 SWEMP directly for the exact boundaries and application steps.
Is my money safe at SWEMP?
SWEMP 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. SWEMP's net worth ratio of 20.51% 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.