PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Airlines

Dallas, TX · Charter 22157

NCUA · 3 branches

Q2 2026

$860.9MAssets
$589.3MLoans
$754.8MShares
$98.9MNet 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 0.50%, up 1 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.59% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.49%, down 18 bps from a year ago.
  • Funding: loans stand at 78.08% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.50%+1 bps YoY

Net Interest Margin (quarter, annualized)

2.90%-12 bps YoY

Efficiency Ratio (quarter, annualized)

72.34%-17 bps YoY

Net Worth / Assets

11.49%-18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.52%0.48%0.35%0.50%+1 bps
Return on Equity4.15%4.40%4.15%3.09%4.32%+16 bps
Net Interest Margin3.02%3.00%2.93%2.85%2.90%-12 bps
Efficiency Ratio72.51%71.74%72.47%74.91%72.34%-17 bps
Growth
Asset Growth (YoY)3.76%4.08%5.87%6.50%4.42%+66 bps
Loan Growth (YoY)0.52%0.86%1.37%0.61%-1.02%-154 bps
Share Growth (YoY)3.75%3.48%5.20%6.38%4.45%+71 bps
Asset Quality
Delinquent Loans / Loans0.73%0.79%0.65%0.63%0.59%-15 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 Capital11.67%11.73%11.62%11.39%11.49%-18 bps
Net Worth / Assets11.67%11.73%11.62%11.39%11.49%-18 bps
Liquidity & Funding
Loans / Shares82.40%81.45%80.48%77.07%78.08%-432 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps