SOUTHWEST FINANCIAL
Charter #15327 · Farmers Branch, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 6.38% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.71% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.16% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.82% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 34th — a 49-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $88.85M | 81th pct | 43th pct |
| Members | 7,438 | 84th pct | 34th pct |
| Net worth ratio | 14.44% | 66th pct | 74th pct |
| Return on average assets | 0.32% | 29th pct | 30th pct |
| Net interest margin | 6.38% | 100th pct | 95th pct |
| Cost of funds | 1.71% | 87th pct | 89th pct |
| Loan-to-share | 97.54% | 99th pct | 90th pct |
| Delinquency 60+ days | 1.16% | 77th pct | 75th pct |
| Net charge-off ratio | 2.82% | 99th pct | 97th pct |
| Loan growth YoY | -1.42% | 51th pct | 33th pct |
| Share growth YoY | 3.37% | 58th pct | 49th pct |
| Efficiency ratio | 75.39% | 37th pct | 33th pct |
structural peer set hash: de4cd6af45895f771b345354d3b6b6a8… (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.