TellerScore

Members Trust of the Southwest Federal Credit Union (NCUA charter #1584) is based in Houston, Texas. Its Q2 2026 call report shows $273.7M in total assets and $250.7M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Members Trust of the Southwest Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 214th. Its strongest component is loan quality (97/100; 0.09%), and its lowest is capital cushion (35/100; 8.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.52%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity71/100
Loans ÷ shares: 89.2% · 13.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (63 → 70), mostly because the earnings component improved by 22 points.

TellerScore
586470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202460
Q1 202564
Q2 202563
Q3 202564
Q4 202564
Q1 202670
Q2 202670
Net worth ratio
7.00%7.76%8.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.88%
Q3 20248.03%
Q4 20247.95%
Q1 20257.95%
Q2 20258.11%
Q3 20258.23%
Q4 20258.20%
Q1 20268.38%
Q2 20268.52%
Delinquent loans (60+ days)
0.09%0.28%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.40%
Q4 20240.28%
Q1 20250.10%
Q2 20250.33%
Q3 20250.26%
Q4 20250.21%
Q1 20260.12%
Q2 20260.09%
Return on assets
0.36%0.85%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.39%
Q4 20240.42%
Q1 20250.63%
Q2 20250.74%
Q3 20250.81%
Q4 20250.83%
Q1 20261.35%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$273.7M8.52%0.09%1.31%89.2%
Q1 202670$267.5M8.38%0.12%1.35%86.7%
Q4 202564$262.4M8.20%0.21%0.83%84.8%
Q3 202564$253.7M8.23%0.26%0.81%83.7%
Q2 202563$249.8M8.11%0.33%0.74%81.6%
Q1 202564$248.3M7.95%0.10%0.63%81.1%
Q4 202460$243.3M7.95%0.28%0.42%81.4%
Q3 202459$236.6M8.03%0.40%0.39%81.2%
Q2 202458$237.8M7.88%0.47%0.36%77.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.52%
8th
Problem loans0.09%
96th
Net charge-offs0.13%
81st
Return on assets1.31%
83rd
Loans to deposits89.2%
19th
Uninsured deposits13.0%
8th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Unity One Credit UnionCredit union Fort Worth, TX51 out of 100, Below average$275.9M8.4%0.98%vs
Border Federal Credit UnionCredit union Del Rio, TX88 out of 100, Very strong$269.8M17.8%0.67%vs
Energy Capital Credit UnionCredit union Houston, TX52 out of 100, Below average$261.4M9.6%0.64%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs
Gulf Coast Federal Credit UnionCredit union Corpus Christi, TX48 out of 100, Below average$259.8M8.3%1.31%vs
Investex Credit UnionCredit union Humble, TX71 out of 100, Strong$245.4M11.4%0.47%vs

Deposit insurance

Is my money safe at Members Trust of the Southwest Federal Credit Union?

Yes. Members Trust of the Southwest Federal Credit Union is a federally insured credit union (NCUA charter #1584). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.0% of shares and deposits ($32.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.52%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Members Trust of the Southwest Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Trust of the Southwest Federal Credit Union
Type
Federal credit union
NCUA charter #
1584
RSSD ID
414773
Primary regulator
NCUA
Established
1936
Headquarters
2315 Mangum Rd, Houston, TX 77092
Employees
31

Quick answers

Members Trust of the Southwest Federal Credit Union: common questions

Is Members Trust of the Southwest Federal Credit Union NCUA insured?

Yes. Members Trust of the Southwest Federal Credit Union is a federally insured credit union (NCUA charter #1584). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Members Trust of the Southwest Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Members Trust of the Southwest Federal Credit Union have?

1 office as of the latest NCUA data.