SOUTHWEST HERITAGE
Charter #60533 · Odessa, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.17% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.15% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.10% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $262.48M | 66th pct | 64th pct |
| Members | 13,108 | 50th pct | 46th pct |
| Net worth ratio | 12.88% | 68th pct | 70th pct |
| Return on average assets | 1.17% | 78th pct | 75th pct |
| Net interest margin | 3.84% | 63th pct | 69th pct |
| Cost of funds | 0.07% | 5th pct | 8th pct |
| Loan-to-share | 68.38% | 43th pct | 52th pct |
| Delinquency 60+ days | 0.15% | 10th pct | 15th pct |
| Net charge-off ratio | 0.10% | 18th pct | 18th pct |
| Loan growth YoY | -4.04% | 10th pct | 11th pct |
| Share growth YoY | 2.03% | 28th pct | 34th pct |
| Efficiency ratio | 76.85% | 43th pct | 46th pct |
structural peer set hash: 287ac9c23057680b8b05a0481e7586b8… (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.