SOUTHWEST HERITAGE
State-Chartered • Odessa, Texas • Est. 1949
Quick Facts
- Charter Number
- #60533
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- Odessa, Texas 79760
- Address
- PO Box 4898
- Branches
- 5
- ATMs
- 2
- Members
- 13,017
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
13,017 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHWEST HERITAGE |
|---|---|
| Total Assets | $261.1M |
| Members | 13,017 |
| Loans Outstanding | $159.3M |
| Shares & Deposits | $227.0M |
| Net Worth | $33.1M |
| Net Worth Ratio | 12.66% |
| Loan-to-Share Ratio | 70.2% |
| Delinquency Rate | 0.62% |
| Net Income | +$3,390,021 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 2 ATMs
Main Office
2809 John Ben Shepperd Pkwy
Odessa, TX 79762-8125
West Branch
930 W University Blvd
Odessa, TX 79764-7114
Faudree
Main Office4100 N Faudree Rd
Odessa, TX 79765-8511
Wink Office
309 E Hendricks Blvd
Wink, TX 79789
West Loop Branch
2489 W University Blvd
Odessa, TX 79764
Who Can Join SOUTHWEST HERITAGE?
Membership Type: Community
Membership eligibility for SOUTHWEST HERITAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHWEST HERITAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. SOUTHWEST HERITAGE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SOUTHWEST HERITAGE has 13,017 members and a potential membership field of 200,000 people.
SOUTHWEST HERITAGE's net worth ratio is 12.66% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.7%, SOUTHWEST HERITAGE meets this threshold.
SOUTHWEST HERITAGE operates 5 branch locations and has access to 2 ATMs. The main office is located at 4100 N Faudree Rd, Odessa, TX 79765-8511.
SOUTHWEST HERITAGE was established in 1949. It is a state-chartered credit union chartered under charter number 60533. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHWEST HERITAGE. All financial data is for informational purposes only.