SOUTHWEST HERITAGE Credit Union Profile

Showing details for SOUTHWEST HERITAGE Credit Union.

Home > TX > SOUTHWEST HERITAGE

SOUTHWEST HERITAGE

Charter #60533 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (432) 250-6040

Fax: (432) 561-9536

Founding Date: N/A

Website: http://www.swhcu.com

Personnel & Operations

President: Baiza Jr, Edgar

Manager: Haynes, Ronny

FT Employees: 71

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: 8:30 - 5:30 M-F

Credit Union Profile Summary

SOUTHWEST HERITAGE is a FISCU Credit Union. With a total of 12,883 members [1], this institution manages approximately $253,696,589 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.54% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.44% [1].

Financial Snapshot

Total Assets [1]
$253,696,589

Total economic resources.

Total Loans [1]
$167,053,240

Total value of outstanding loans.

Total Deposits [1]
$220,977,694

Total funds deposited by members.

Members [1]
12,883

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.54%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.18%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
75.60%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.40%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 1.44%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.74%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4100 N Faudree Rd

Odessa, TX, 79765-8511
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 5 branches reported by SOUTHWEST HERITAGE (Charter #60533).

Main Office

Main Office Main Office

Type: Corporate Office

2809 John Ben Shepperd Pkwy

Odessa, TX 79762-8125

Phone: (432) 367-8993

Services: Member Services, Drive-Thru

Open in Directions

Additional Branches

Odessa

Faudree

Type: Branch Office

4100 Faudree Rd

Odessa, TX 79765

Phone: (432) 250-6040

Services: Member Services, ATM, Drive-Thru

Open in Directions

West Branch

Type: Branch Office

930 W University Blvd

Odessa, TX 79764-7114

Phone: (432) 580-7108

Services: Member Services, Drive-Thru

Open in Directions

West Loop Branch

Type: Branch Office

2489 W University Blvd

Odessa, TX 79764

Phone: (432) 307-6767

Services: Member Services, ATM, Drive-Thru

Open in Directions

Wink

Wink Office

Type: Branch Office

309 E Hendricks Blvd

Wink, TX 79789

Phone: (432) 527-3365

Services: Member Services, Drive-Thru

Open in Directions