Credit union · NCUA insured
Southwest Financial Federal Credit Union
Top CarrotA $88.9M credit union headquartered in Farmers Branch, TX, with 7,438 members and 1 branch in Texas. Best rates: CDs 3.51% and savings 1.25% APY.
Southwest Financial Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#10 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southwest Financial Federal Credit Union
Southwest Financial is a member-owned, not-for-profit financial institution that began in November 1962 as Kro-Dal (Kroger-Dallas) Federal Credit Union.
Originally serving Kroger associates and their immediate families, the credit union continues to serve the Kroger community alongside hundreds of partner organizations.
- Headquarters
- 1750 Valley View Ln Ste 110, Farmers Branch, TX 75234-9024
- NCUA charter
- 15327
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of an affiliated company.
Family and household
- Membership is open to immediate family members of an employee of an affiliated company or of a current member.
Cost to join
- Opening a savings account requires a $25 deposit.
Branches
1 branch in Texas
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Texas
1 branch
- Main OfficeMain office1750 Valley View Ln Ste 110, Farmers Branch, TX 75234Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.95% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.48% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $103 | $59 | — |
- CapitalNet worth ratio15.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.95%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$103Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Southwest Financial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.