BlastPoint's Credit Union Scorecard
SOUTHWEST AIRLINES
Charter #22157 · TX
SOUTHWEST AIRLINES has 1 strength but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,844
+0.2% YoY+0.3% QoQ
|
+7.8K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$846.2M
+5.9% YoY+1.8% QoQ
|
$-17.7M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$596.3M
+1.4% YoY+0.6% QoQ
|
$-9.5M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$741.0M
+5.2% YoY+1.8% QoQ
|
+$3.7M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.5%
-14.2% YoY-6.1% QoQ
|
-0.3% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.0%
+1.0% YoY-2.1% QoQ
|
-0.4% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
72.5%
+0.6% YoY+1.0% QoQ
|
-1.9% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.6%
-29.0% YoY-17.6% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
80.5%
-3.6% YoY-1.2% QoQ
|
-2.1% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$22,347
+3.2% YoY+1.0% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
17.1%
-13.9% YoY-3.2% QoQ
|
-7.4% | 24.4% | 21.2% | 19.8% | 24% |
| Indirect Auto % |
1.0%
+494.2% YoY+27.4% QoQ
|
-12.8% | 13.8% | 7.1% | 7.8% | 36% |
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)