Credit Union Safety Analysis
Is Southwest Heritage CU Safe? Odessa, Texas
Based on its Q2 2026 NCUA 5300 call report, Southwest Heritage CU has a net worth ratio of 13.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Southwest Heritage CU's net worth ratio is 13.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.27%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 1.23%
- Loan-to-share ratio (Q2 2026): 70.22%
Southwest Heritage CU (NCUA charter 60533, established 1949) reported $260.9M in assets and 12,871 members for Q2 2026 from Odessa, Texas. It ranks 88 of 377 credit unions in Texas by total assets. Total assets grew 2.8% from $253.7M on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-0.1%). Its net worth ratio was up 0.73 percentage points from 12.54% on June 30, 2025. Used vehicle loans are its largest loan category, $44.5M of $158.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.88% for Q1 2026; 12.54% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.15% for Q1 2026; 0.13% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.16% for Q1 2026; 1.14% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 68.38% for Q1 2026; 75.60% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $44.5M
- 1- to 4-family residential and other consumer real estate loans: $35.1M
- New vehicle loans: $33.2M
- Commercial loans: $30.1M
- Other secured non-real estate loans and lines of credit: $9.1M
- Other unsecured loans and lines of credit: $4.6M
- Unsecured credit card loans: $1.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $260.9M | 13.27% | 0.20% | 1.23% | 70.22% |
| March 31, 2026 | $262.5M | 12.88% | 0.15% | 1.16% | 68.38% |
| December 31, 2025 | $261.1M | 12.66% | 0.62% | 0.81% | 70.17% |
| September 30, 2025 | $257.0M | 12.66% | 0.92% | 1.15% | 72.71% |
| June 30, 2025 | $253.7M | 12.54% | 0.13% | 1.14% | 75.60% |
| March 31, 2025 | $253.7M | 12.25% | 0.42% | 1.15% | 74.43% |
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Free to use. It shows Southwest Heritage Cu’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60533) · FFIEC NIC profile (RSSD 551098)
Frequently asked questions
Is Southwest Heritage CU well capitalized?
On its Q2 2026 NCUA 5300 call report, Southwest Heritage CU's net worth ratio is 13.27%, above the 7% NCUA threshold for well capitalized.
Is Southwest Heritage CU FDIC insured?
No. The FDIC insures banks, not credit unions. Southwest Heritage CU is a federally insured credit union (NCUA charter 60533): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Southwest Heritage CU's key safety ratios?
For Q2 2026, Southwest Heritage CU reports net worth 13.27%, delinquency 0.20%, ROA 1.23%, loan-to-share 70.22%.
What happens to my money if Southwest Heritage CU fails?
For Q2 2026, Southwest Heritage CU held $225.0M in shares and deposits for 12,871 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.