Southwest Heritage
Odessa, TX · Charter 60533 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$260.9MAssets
$158.0MLoans
$225.0MShares
$34.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets in TX (rank 43 of 235).
- Widest gap: equity / assets trails 58% of credit unions under $1B in assets in TX (rank 137 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.20%
Rank 53 of 235
Net Interest Margin
4.00%
Rank 98 of 235
Efficiency Ratio
75.27%
Rank 82 of 235
Equity / Assets
13.27%
Rank 137 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.17% | 0.57% | 1.10% | Beats 77% | 53 / 235 | | |
| Return on Equity | 9.04% | 1.03% | 4.30% | 7.58% | Beats 82% | 43 / 235 | | |
| Net Interest Margin | 4.00% | 3.32% | 3.89% | 4.35% | Beats 58% | 98 / 235 | | |
| Efficiency Ratio | 75.27% | 70.60% | 82.00% | 91.57% | Beats 66% | 82 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.59% | 1.14% | Beats 75% | 60 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.27% | 11.30% | 14.41% | 19.49% | Beats 42% | 137 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.27% | 11.30% | 14.41% | 19.49% | Beats 42% | 137 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.22% | 54.18% | 67.38% | 81.66% | 55th pctl | 106 / 235 | | |
| Loans / Assets | 60.57% | 43.80% | 56.63% | 68.64% | 58th pctl | 99 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |