SOUTHWEST AIRLINES
Charter #22157 · Dallas, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.36% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.89% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.28% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 31st — a 50-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 AIRLINES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $870.02M | 81th pct | 31th pct |
| Members | 60,152 | 88th pct | 43th pct |
| Net worth ratio | 11.38% | 63th pct | 69th pct |
| Return on average assets | 0.36% | 25th pct | 16th pct |
| Net interest margin | 2.89% | 15th pct | 3th pct |
| Cost of funds | 2.28% | 91th pct | 95th pct |
| Loan-to-share | 77.07% | 37th pct | 39th pct |
| Delinquency 60+ days | 0.63% | 53th pct | 43th pct |
| Net charge-off ratio | 0.86% | 83th pct | 64th pct |
| Loan growth YoY | -0.52% | 32th pct | 25th pct |
| Share growth YoY | 5.14% | 70th pct | 75th pct |
| Efficiency ratio | 74.91% | 33th pct | 36th pct |
structural peer set hash: a342cab76a4d5bc0152eb0bb5f444d79… (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.