BlastPoint's Credit Union Scorecard
SOUTHWEST FINANCIAL
Charter #15327 · TX
SOUTHWEST FINANCIAL has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 2.29% above tier average
- + Total Loans: Top 0.2% in tier
- + Fee Income Per Member: Top 1.6% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
- + Total Members: Top 4.1% in tier
- + Total Assets: Top 4.4% in tier
- + Total Deposits: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.3% YoY
- - Net Charge-Off Rate: Bottom 4.2% in tier
- - Member Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,438
-8.3% YoY-1.8% QoQ
|
+4.8K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$88.9M
+4.2% YoY+2.7% QoQ
|
+$58.7M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 4.4% in tier |
| Loans |
$73.2M
+0.6% YoY-0.8% QoQ
|
+$57.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 0.2% in tier |
| Deposits |
$75.0M
+4.4% YoY+2.9% QoQ
|
+$49.3M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 4.8% in tier |
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| ROA |
0.3%
-15.7% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
6.3%
+0.9% YoY-0.1% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
75.4%
+0.6% YoY+1.9% QoQ
|
-15.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
1.2%
-31.4% YoY-34.6% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
97.5%
-3.7% YoY-3.6% QoQ
|
+39.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 4.0% in tier |
| AMR |
$19,929
+11.7% YoY+2.9% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
13.6%
-8.3% YoY+1.4% QoQ
|
-10.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)