BlastPoint's Credit Union Scorecard
SOUTHWEST FINANCIAL
Charter #15327 · TX
SOUTHWEST FINANCIAL has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.60% above tier average
- + Total Loans: Top 0.3% in tier
- + Fee Income Per Member: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Total Members: Top 4.3% in tier
- + Total Assets: Top 5.5% in tier
- + Total Deposits: Top 6.4% in tier
- + Loan-to-Member Ratio (LMR): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Member decline: -7.5% YoY
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Member Growth Rate: Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +2.4% year over year ($71.3M in shares and deposits).
- Membership: 7,315 members, -7.5% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.47%.
- Efficiency ratio 74.94% vs a 88.77% peer average.
- Loan-to-share ratio 103.09% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,315
-7.5% YoY-1.7% QoQ
|
+4.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 4.3% in tier |
| Assets |
$85.3M
+3.0% YoY-4.0% QoQ
|
+$55.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 5.5% in tier |
| Loans |
$73.5M
+0.8% YoY+0.4% QoQ
|
+$58.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 0.3% in tier |
| Deposits |
$71.3M
+2.4% YoY-5.0% QoQ
|
+$45.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 6.4% in tier |
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| ROA |
0.5%
-427.4% YoY+50.7% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
6.5%
+2.6% YoY+3.2% QoQ
|
+2.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
74.9%
+0.8% YoY-0.6% QoQ
|
-13.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.9%
-22.6% YoY-18.2% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
103.1%
-1.5% YoY+5.7% QoQ
|
+44.2% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 2.4% in tier |
| AMR |
$19,799
+9.8% YoY-0.7% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
13.3%
-9.8% YoY-2.3% QoQ
|
-11.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)