SOUTHWEST RESEARCH CENTER
Charter #10913 · San Antonio, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.91% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.08% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 77th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOUTHWEST RESEARCH CENTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $86.01M | 78th pct | 72th pct |
| Members | 5,409 | 56th pct | 62th pct |
| Net worth ratio | 11.40% | 34th pct | 39th pct |
| Return on average assets | 0.91% | 62th pct | 77th pct |
| Net interest margin | 4.08% | 71th pct | 84th pct |
| Cost of funds | 0.51% | 25th pct | 33th pct |
| Loan-to-share | 53.33% | 37th pct | 48th pct |
| Delinquency 60+ days | 0.35% | 34th pct | 34th pct |
| Net charge-off ratio | 0.22% | 47th pct | 41th pct |
| Loan growth YoY | -4.16% | 25th pct | 26th pct |
| Share growth YoY | -1.54% | 8th pct | 5th pct |
| Efficiency ratio | 67.03% | 21th pct | 10th pct |
structural peer set hash: 8d6248d40610271f648cd7d0b0433a6e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.