BlastPoint's Credit Union Scorecard
SOUTHWEST FINANCIAL
Charter #15327 · TX
SOUTHWEST FINANCIAL has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.4% in tier
- + Fee Income Per Member: Top 1.7% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
- + Total Members: Top 4.3% in tier
- + Total Assets: Top 5.1% in tier
- + Total Deposits: Top 5.9% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Delinquency rate 0.22% above tier average
- - Member decline: -8.5% YoY
- - Net Charge-Off Rate: Bottom 5.3% in tier
- - Member Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,573
-8.5% YoY-2.5% QoQ
|
+5.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 4.3% in tier |
| Assets |
$86.5M
+4.2% YoY+0.9% QoQ
|
+$56.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 5.2% in tier |
| Loans |
$73.8M
+1.5% YoY-0.6% QoQ
|
+$58.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 0.4% in tier |
| Deposits |
$72.9M
+4.8% YoY+0.5% QoQ
|
+$47.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 5.9% in tier |
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| ROA |
0.4%
-160.0% YoY+206.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
6.3%
+11.8% YoY-1.1% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 2.8% in tier |
| Efficiency Ratio |
74.0%
-12.4% YoY+0.4% QoQ
|
-8.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
1.8%
-6.7% YoY+11.9% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
101.2%
-3.1% YoY-1.1% QoQ
|
+40.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 3.9% in tier |
| AMR |
$19,377
+12.7% YoY+2.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
13.4%
-11.2% YoY-5.9% QoQ
|
-11.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)