Side-by-side · Q2 2026 data
Southwest Airlines Federal Credit Union vs Smart Financial Credit Union
Credit union
Southwest Airlines Federal Credit Union
Dallas, Texas · $100 million – $1 billion
Metric by metric
| Measure | Southwest Airlines Federal Credit Union | Smart Financial Credit Union |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 65 | 68 (stronger) |
| Loan quality | 80 (stronger) | 61 |
| Earnings | 40 | 68 (stronger) |
| Funding & liquidity | 82 (stronger) | 77 |
| Problem-loan coverage | 93 (stronger) | 82 |
| Peer percentile | 48th | 48th |
| Total assets | $860.9M | $807.5M |
| Deposits / shares | $754.8M | $700.6M |
| Capital ratio | 11.49% | 11.84% (stronger) |
| Problem loans | 0.59% (stronger) | 1.16% |
| Net charge-offs | 0.90% | 0.54% (stronger) |
| Return on assets | 0.50% | 1.20% (stronger) |
| Loans ÷ deposits | 78.1% (stronger) | 83.7% |
| Uninsured deposits | 7.1% | 2.8% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.2% | 41.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Southwest Airlines Federal Credit Union leads on 2 and Smart Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.