TellerScore

Southwest 66 Credit Union is a federally insured state-chartered credit union headquartered in Odessa, Texas, in business for about 77 years. At the end of Q2 2026 it reported $112.2M in total assets and $99.6M in member shares and deposits, with 3 offices.

Southwest 66 Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 235th. Problem-loan coverage contributes the most (88/100, 5.8%); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.21%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity85/100
Loans ÷ shares: 75.5% · 3.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.79%

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 10 points (58 → 68), mostly because the loan quality component improved by 37 points.

TellerScore
586469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202469
Q4 202462
Q1 202568
Q2 202558
Q3 202563
Q4 202565
Q1 202665
Q2 202668
Net worth ratio
7.00%9.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.12%
Q3 202411.18%
Q4 202411.44%
Q1 202511.20%
Q2 202511.22%
Q3 202511.03%
Q4 202510.98%
Q1 202610.93%
Q2 202611.21%
Delinquent loans (60+ days)
0.57%1.12%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.76%
Q3 20240.69%
Q4 20241.42%
Q1 20250.62%
Q2 20251.68%
Q3 20250.82%
Q4 20250.70%
Q1 20260.88%
Q2 20260.57%
Return on assets
0.20%0.41%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.53%
Q3 20240.62%
Q4 20240.61%
Q1 20250.35%
Q2 20250.40%
Q3 20250.20%
Q4 20250.27%
Q1 20260.59%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$112.2M11.21%0.57%0.43%75.5%
Q1 202665$114.4M10.93%0.88%0.59%74.7%
Q4 202565$112.3M10.98%0.70%0.27%77.6%
Q3 202563$110.7M11.03%0.82%0.20%74.6%
Q2 202558$109.2M11.22%1.68%0.40%73.0%
Q1 202568$108.4M11.20%0.62%0.35%73.6%
Q4 202462$105.2M11.44%1.42%0.61%78.4%
Q3 202469$106.5M11.18%0.69%0.62%77.5%
Q2 202467$105.1M11.12%0.76%0.53%76.3%

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 ratio11.21%
47th
Problem loans0.57%
59th
Net charge-offs0.48%
37th
Return on assets0.43%
25th
Loans to deposits75.5%
51st
Uninsured deposits3.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio5.8%
33rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
Rockdale Federal Credit UnionCredit union Rockdale, TX85 out of 100, Very strong$108.2M11.7%0.08%vs
Members Credit UnionCredit union Cleburne, TX74 out of 100, Strong$117.5M11.3%0.68%vs
Prestige Community Credit UnionCredit union Dallas, TX58 out of 100, Moderate$118.8M8.9%0.81%vs
Centex Citizens Credit UnionCredit union Mexia, TX89 out of 100, Very strong$118.9M17.2%0.44%vs
Valley Federal Credit UnionCredit union Brownsville, TX73 out of 100, Strong$119.1M12.6%0.46%vs

Deposit insurance

Is my money safe at Southwest 66 Credit Union?

Yes. Southwest 66 Credit Union is a federally insured credit union (NCUA charter #67550). 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 3.6% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Southwest 66 Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Consumer Credit Cards13.49% – 18.00%$0—1.0%
Rewards Credit Cards14.49% – 17.24%$0—1.0%
Share Secured Credit Cards13.49% – 14.24%$0—1.0%

All Southwest 66 Credit Union card terms

Identity & history

Profile

Legal name
Southwest 66 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67550
RSSD ID
664895
Primary regulator
State + NCUA
Established
1949
Headquarters
Po Box 12010, Odessa, TX 79768
Employees
40

Quick answers

Southwest 66 Credit Union: common questions

Is Southwest 66 Credit Union NCUA insured?

Yes. Southwest 66 Credit Union is a federally insured credit union (NCUA charter #67550). 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 Southwest 66 Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Southwest 66 Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Odessa

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs