Southwest Heritage
Southwest Heritage is a credit union based in Odessa, Texas, established in 1949, with $262 million in total assets serving 13,108 members. By Trust Grade it ranks 56th of 379 credit unions we track in Texas. Its net worth ratio of 12.9% is stronger than 71% of similarly sized credit unions, versus a Texas median of 13.5%. It was profitable over the most recent period, with a 1.17% return on assets. No consumer complaints against Southwest Heritage appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Southwest Heritage compares to Texas peers
How we graded Southwest Heritage
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.9% capital ratio)
- Strongly profitable (ROA 1.17%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Southwest Heritage over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Southwest Heritage insured?
Yes. Southwest Heritage is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Southwest Heritage: frequently asked questions
Is Southwest Heritage a good credit union?
Southwest Heritage earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.9% capital ratio); Strongly profitable (ROA 1.17%).
Is Southwest Heritage NCUA-insured?
Yes. Southwest Heritage is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Southwest Heritage?
Southwest Heritage holds $262 million in total assets, ranking 56th of 379 credit unions we track in Texas. It serves 13,108 members.
Does Southwest Heritage have CFPB complaints?
No CFPB complaints against Southwest Heritage appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
