TellerScore

Southwest Airlines Federal Credit Union is a federal credit union headquartered in Dallas, Texas, in business for about 51 years. At the end of Q2 2026 it reported $860.9M in total assets and $754.8M in member shares and deposits, with 3 offices across 2 states.

Southwest Airlines Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 220th. Problem-loan coverage contributes the most (93/100, 3.5%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.49%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity82/100
Loans ÷ shares: 78.1% · 7.1% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.50%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
666869Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202467
Q1 202568
Q2 202568
Q3 202568
Q4 202568
Q1 202667
Q2 202669
Net worth ratio
7.00%9.46%11.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.76%
Q3 202411.93%
Q4 202411.90%
Q1 202511.73%
Q2 202511.66%
Q3 202511.71%
Q4 202511.61%
Q1 202611.38%
Q2 202611.49%
Delinquent loans (60+ days)
0.59%0.75%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.76%
Q4 20240.91%
Q1 20250.64%
Q2 20250.73%
Q3 20250.79%
Q4 20250.65%
Q1 20260.63%
Q2 20260.59%
Return on assets
0.35%0.47%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.59%
Q4 20240.57%
Q1 20250.35%
Q2 20250.48%
Q3 20250.52%
Q4 20250.48%
Q1 20260.35%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$860.9M11.49%0.59%0.50%78.1%
Q1 202667$870.0M11.38%0.63%0.35%77.1%
Q4 202568$846.2M11.61%0.65%0.48%80.5%
Q3 202568$831.1M11.71%0.79%0.52%81.5%
Q2 202568$824.5M11.66%0.73%0.48%82.4%
Q1 202568$817.0M11.73%0.64%0.35%81.5%
Q4 202467$799.2M11.90%0.91%0.57%83.5%
Q3 202469$798.5M11.93%0.76%0.59%83.6%
Q2 202466$794.6M11.76%0.78%0.43%85.0%

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 ratio11.49%
51st
Problem loans0.59%
57th
Net charge-offs0.90%
12th
Return on assets0.50%
30th
Loans to deposits78.1%
45th
Uninsured deposits7.1%
38th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Intouch Credit UnionCredit union Plano, TX55 out of 100, Moderate$837.4M8.9%1.38%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
Texas Bay Credit UnionCredit union Houston, TX53 out of 100, Below average$905.0M7.5%0.55%vs
Smart Financial Credit UnionCredit union Houston, TX69 out of 100, Moderate$807.5M11.8%1.16%vs
Texell Credit UnionCredit union Temple, TX70 out of 100, Strong$801.0M10.5%0.60%vs
Community Resource Credit UnionCredit union Baytown, TX75 out of 100, Strong$929.5M11.0%0.47%vs

Deposit insurance

Is my money safe at Southwest Airlines Federal Credit Union?

Yes. Southwest Airlines Federal Credit Union is a federally insured credit union (NCUA charter #22157). 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 7.1% of shares and deposits ($53.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.49%, 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 Airlines Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southwest Airlines Federal Credit Union reported 448 home-loan applications under HMDA (LEI 549300DQLGJ1YQRRHH73): 303 originated ($49,165,000 total), 144 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Southwest Airlines Federal Credit Union
Type
Federal credit union
NCUA charter #
22157
RSSD ID
982281
Primary regulator
NCUA
Established
1975
Headquarters
PO Box 35708, Dallas, TX 75235
Employees
120

Quick answers

Southwest Airlines Federal Credit Union: common questions

Is Southwest Airlines Federal Credit Union NCUA insured?

Yes. Southwest Airlines Federal Credit Union is a federally insured credit union (NCUA charter #22157). 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 Airlines Federal Credit Union's TellerScore?

69 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 Airlines Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.