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 2.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.3% in tier
- + Fee Income Per Member: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 3.1% in tier
- + Total Members: Top 4.3% in tier
- + Total Assets: Top 5.2% in tier
- + Total Deposits: Top 5.8% in tier
- + AMR Growth Rate: Top 6.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Delinquency rate 0.08% above tier average
- - Member decline: -8.0% YoY
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Member Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,765
-8.0% YoY-1.8% QoQ
|
+5.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 4.3% in tier |
| Assets |
$85.7M
+3.2% YoY+3.5% QoQ
|
+$55.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 5.2% in tier |
| Loans |
$74.2M
+2.4% YoY+1.8% QoQ
|
+$58.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 0.3% in tier |
| Deposits |
$72.6M
+4.5% YoY+4.2% QoQ
|
+$47.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 5.9% in tier |
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| ROA |
0.1%
-119.7% YoY-184.2% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
6.4%
+9.7% YoY+0.5% QoQ
|
+2.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 2.8% in tier |
| Efficiency Ratio |
73.7%
-13.1% YoY-0.8% QoQ
|
-7.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
1.6%
-7.6% YoY+29.1% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
102.3%
-2.0% YoY-2.3% QoQ
|
+41.0% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$18,910
+12.5% YoY+4.9% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
14.3%
-2.3% YoY-3.2% QoQ
|
-10.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)