SOUTHWEST HERITAGE
Odessa, TX · State Credit Union · Chartered in TX
Who can join
State government employees (special charter)
Members
13,108
Net Worth Ratio
12.88%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$262.5M
Peer Group 5
Members
13,108
as of latest quarter
Net Worth Ratio
12.88%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$262.5M
Total Shares
$227.8M
Total Loans
$155.8M
Net Income
$764K
Net Worth Ratio
12.88%
≥7% = Well Capitalized
Members
13,108
Return on Assets
0.29%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.13%
$201K
Loan-to-share ratio: 68.4%· healthy range 60–80%
Branch Locations
NCUAFaudree
4100 N Faudree Rd, Odessa, TX, 79765-8511
8:30 - 5:30 M-F
Main Office
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762-8125
M-F 8:30am - 5:30pm
West Branch
930 W University Blvd, Odessa, TX, 79764-7114
M-F 8:30am - 5:30pm
Wink Office
309 E Hendricks Blvd, Wink, TX, 79789
Monday, Tuesday, Thursday, Friday 8:30-5:30Wednesday 10:00-5:30Drive Thru Monday-Friday 7:30-5:30
West Loop Branch
2489 W University Blvd, Odessa, TX, 79764
M-F 7:30-5:30; Sat 9:00-1:00
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/southwest-heritage" target="_blank" rel="noopener">View SOUTHWEST HERITAGE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.