CU Explorer
Credit unions · Texas · Q2 2026

Southwest Heritage CU

Credit union in Odessa, TX · NCUA charter #60533 · State charter (federally insured)

Legal name: Southwest Heritage

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$261M
Total loans & leases$158M
Total shares & deposits$225M
Members12,870
Net worth$34.6M
Net worth / assets13.27%
Loans / assets60.57%
Return on assets (annualized)1.20%
Loan growth (YoY)−5.41%
Member growth (YoY)−0.09%
Delinquency, all loans (60+ days)0.20%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech lead generation (members), fintech lead generation (shares), fintech P2P payments, online membership application, online loan application, online loan payments, bill payment, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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