PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Heritage

Odessa, TX · Charter 60533

NCUA · 5 branches

Q2 2026

$260.9MAssets
$158.0MLoans
$225.0MShares
$34.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.20%, up 5 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.20% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.27%, up 73 bps from a year ago.
  • Funding: loans stand at 70.22% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.20%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.00%+23 bps YoY

Efficiency Ratio (quarter, annualized)

75.27%+418 bps YoY

Net Worth / Assets

13.27%+73 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.23%1.15%1.15%1.14%1.04%1.16%1.20%+5 bps
Return on Equity10.69%9.74%9.37%9.13%8.98%8.24%9.04%9.04%-9 bps
Net Interest Margin3.74%3.76%3.67%3.77%3.78%3.76%3.83%4.00%+23 bps
Efficiency Ratio71.93%72.27%73.99%71.09%73.19%73.72%76.85%75.27%+418 bps
Growth
Asset Growth (YoY)8.35%7.45%10.94%9.40%7.04%8.85%3.46%2.84%-656 bps
Loan Growth (YoY)-0.62%-0.80%-0.22%1.44%-1.31%-3.11%-5.67%-5.41%-685 bps
Share Growth (YoY)8.41%8.06%11.82%10.48%7.10%8.36%2.68%1.84%-865 bps
Asset Quality
Delinquent Loans / Loans0.41%0.25%0.42%0.13%0.92%0.62%0.15%0.20%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.42%12.66%12.25%12.54%12.67%12.66%12.88%13.27%+73 bps
Net Worth / Assets12.42%12.66%12.25%12.54%12.67%12.66%12.88%13.27%+73 bps
Liquidity & Funding
Loans / Shares78.90%78.47%74.43%75.60%72.71%70.17%68.38%70.22%-538 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps