BlastPoint's Credit Union Scorecard
SOUTHWEST AIRLINES
Charter #22157 · TX
SOUTHWEST AIRLINES has 2 strengths but faces 4 concerns
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
- + Share Certificate Concentration (%): Top 5.4% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.3% in tier
- - Stagnation Risk: Bottom 59.0% in tier
- - Membership Headwinds: Bottom 59.0% in tier
- - ROA 0.35% below tier average
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +4.5% year over year ($755M in shares and deposits).
- Membership: 59,070 members, -0.6% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.49%.
- Efficiency ratio 72.34% vs a 74.54% peer average.
- Loan-to-share ratio 78.08% vs a 82.60% 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 |
59,070
-0.6% YoY-1.8% QoQ
|
+6.6K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$860.9M
+4.4% YoY-1.0% QoQ
|
$-3.0M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$589.3M
-1.0% YoY-0.0% QoQ
|
$-18.5M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$754.8M
+4.5% YoY-1.3% QoQ
|
+$14.9M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.5%
+1.3% YoY+40.2% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
2.9%
-4.9% YoY+1.0% QoQ
|
-0.6% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
72.3%
-0.2% YoY-3.4% QoQ
|
-2.2% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.6%
-20.0% YoY-6.8% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
78.1%
-5.2% YoY+1.3% QoQ
|
-4.5% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$22,754
+2.6% YoY+1.0% QoQ
|
$-6K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
12.8%
-25.9% YoY-16.3% QoQ
|
-11.7% | 24.6% | 21.6% | 20.0% | Bottom 12.8% in tier |
| Indirect Auto % |
1.3%
+115.7% YoY+12.4% QoQ
|
-12.3% | 13.6% | 6.9% | 7.7% | 37% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)