BlastPoint's Credit Union Scorecard
SOUTHWEST AIRLINES
Charter #22157 · TX
SOUTHWEST AIRLINES has 1 strength but faces 3 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
- + Members Per Employee (MPE): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.7% in tier
- - Credit Risk Growth: Bottom 29.3% in tier
- - ROA 0.19% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,674
+0.3% YoY+0.4% QoQ
|
+7.6K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$831.1M
+4.1% YoY+0.8% QoQ
|
$-27.9M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$592.6M
+0.9% YoY-0.5% QoQ
|
$-10.8M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$727.6M
+3.5% YoY+0.7% QoQ
|
$-6.6M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
0.5%
-11.7% YoY+6.4% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.0%
+3.8% YoY-0.5% QoQ
|
-0.4% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
71.7%
-0.9% YoY-1.1% QoQ
|
-2.8% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.8%
+3.6% YoY+7.5% QoQ
|
-0.0 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
81.5%
-2.5% YoY-1.1% QoQ
|
-1.2% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$22,123
+2.0% YoY-0.3% QoQ
|
$-7K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
17.6%
-11.9% YoY+1.8% QoQ
|
-6.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
26% |
| Indirect Auto % |
0.8%
+2430.7% YoY+28.5% QoQ
|
-13.2% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
35% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)