TellerScore

Headquartered in Odessa, Texas, Southwest Heritage Credit Union is a federally insured state-chartered credit union with $260.9M in total assets and $225.0M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1949.

Southwest Heritage Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 91st. Problem-loan coverage contributes the most (96/100, 1.8%); earnings contributes the least (68/100, 1.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.27%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity77/100
Loans ÷ shares: 70.2% · 27.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.83%

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 3 points (80 → 83), mostly because the capital cushion component improved by 8 points.

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202478
Q4 202480
Q1 202577
Q2 202580
Q3 202573
Q4 202576
Q1 202682
Q2 202683
Net worth ratio
7.00%10.13%13.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.56%
Q3 202412.42%
Q4 202412.66%
Q1 202512.25%
Q2 202512.54%
Q3 202512.66%
Q4 202512.66%
Q1 202612.88%
Q2 202613.27%
Delinquent loans (60+ days)
0.13%0.52%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.41%
Q4 20240.25%
Q1 20250.42%
Q2 20250.13%
Q3 20250.92%
Q4 20250.62%
Q1 20260.15%
Q2 20260.20%
Return on assets
1.04%1.25%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.46%
Q3 20241.33%
Q4 20241.23%
Q1 20251.15%
Q2 20251.15%
Q3 20251.14%
Q4 20251.04%
Q1 20261.16%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$260.9M13.27%0.20%1.20%70.2%
Q1 202682$262.5M12.88%0.15%1.16%68.4%
Q4 202576$261.1M12.66%0.62%1.04%70.2%
Q3 202573$257.0M12.66%0.92%1.14%72.7%
Q2 202580$253.7M12.54%0.13%1.15%75.6%
Q1 202577$253.7M12.25%0.42%1.15%74.4%
Q4 202480$239.8M12.66%0.25%1.23%78.5%
Q3 202478$240.1M12.42%0.41%1.33%78.9%
Q2 202482$231.9M12.56%0.16%1.46%82.3%

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 ratio13.27%
72nd
Problem loans0.20%
90th
Net charge-offs0.19%
72nd
Return on assets1.20%
78th
Loans to deposits70.2%
61st
Uninsured deposits27.1%
1st
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Energy Capital Credit UnionCredit union Houston, TX52 out of 100, Below average$261.4M9.6%0.64%vs
Gulf Coast Federal Credit UnionCredit union Corpus Christi, TX48 out of 100, Below average$259.8M8.3%1.31%vs
Border Federal Credit UnionCredit union Del Rio, TX88 out of 100, Very strong$269.8M17.8%0.67%vs
Members Trust of the Southwest Federal Credit UnionCredit union Houston, TX70 out of 100, Strong$273.7M8.5%0.09%vs
Unity One Credit UnionCredit union Fort Worth, TX51 out of 100, Below average$275.9M8.4%0.98%vs
Investex Credit UnionCredit union Humble, TX71 out of 100, Strong$245.4M11.4%0.47%vs

Deposit insurance

Is my money safe at Southwest Heritage Credit Union?

Yes. Southwest Heritage Credit Union is a federally insured credit union (NCUA charter #60533). 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 27.1% of shares and deposits ($61.0M) 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 13.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Southwest Heritage Credit Union lists 5 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southwest Heritage Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60533
RSSD ID
551098
Primary regulator
State + NCUA
Established
1949
Headquarters
PO Box 4898, Odessa, TX 79760
Employees
76

Quick answers

Southwest Heritage Credit Union: common questions

Is Southwest Heritage Credit Union NCUA insured?

Yes. Southwest Heritage Credit Union is a federally insured credit union (NCUA charter #60533). 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 Heritage Credit Union's TellerScore?

83 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 Southwest Heritage Credit Union have?

5 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
Txdot Credit UnionCredit union Abilene, TX81 out of 100, Strong$18.2M17.2%0.54%vs