PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Financial

Farmers Branch, TX · Charter 15327

NCUA · 1 branch

Q2 2026

$85.3MAssets
$73.5MLoans
$71.3MShares
$13.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.48%, up 63 bps year over year; NIM at 6.64%.
  • Asset quality: problem loans at 0.95% of loans (-28 bps YoY).
  • Capital: net worth / assets of 15.20%, up 25 bps from a year ago.
  • Funding: loans stand at 103.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.48%+63 bps YoY

Net Interest Margin (quarter, annualized)

6.64%+21 bps YoY

Efficiency Ratio (quarter, annualized)

74.94%+61 bps YoY

Net Worth / Assets

15.20%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%0.12%0.37%0.31%0.48%+63 bps
Return on Equity-0.98%0.82%2.51%2.17%3.17%+415 bps
Net Interest Margin6.43%6.26%6.27%6.30%6.64%+21 bps
Efficiency Ratio74.33%73.71%73.98%75.39%74.94%+61 bps
Growth
Asset Growth (YoY)-0.82%3.15%4.23%4.17%2.99%+381 bps
Loan Growth (YoY)2.08%2.43%1.53%0.56%0.81%-127 bps
Share Growth (YoY)0.39%4.47%4.76%4.43%2.38%+199 bps
Asset Quality
Delinquent Loans / Loans1.23%1.58%1.77%1.16%0.95%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.95%14.60%14.74%14.44%15.20%+25 bps
Net Worth / Assets14.95%14.60%14.74%14.44%15.20%+25 bps
Liquidity & Funding
Loans / Shares104.69%102.28%101.20%97.54%103.09%-161 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps