Credit union · NCUA insured
Southwest Research Center Federal Credit Union
A $86M credit union headquartered in San Antonio, TX, with 5,409 members and 2 branches in Texas. Best rates: CDs 3.70% and savings 0.55% APY.
Southwest Research Center Federal Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#14 of 47 in San Antonio, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southwest Research Center Federal Credit Union
Established in 1956, Southwest Research Center Federal Credit Union is a member-owned nonprofit financial cooperative.
The credit union operates two office locations in San Antonio, Texas.
- Headquarters
- 7215 Culebra Rd, San Antonio, TX 78251-1305
- NCUA charter
- 10913
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the defined investment area in San Antonio, Texas.
Employers and groups
- Employees and members of select employee groups, organizations, and entities.
Family and household
- Eligible family members (parent, sibling, grandparent, spouse, step sibling, grandchildren, children, step children, adopted children, legal guardian, step parents, domestic partners) of any eligible individual.
Cost to join
- A deposit of $5 into a share (savings) account is required to establish membership.
Branches
2 branches in Texas
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Texas
2 branches
- Main OfficeMain office7215 Culebra Rd, San Antonio, TX 78251Directions
- SWRI Office6220 Culebra Rd Bldg 132, Bldg 132, San Antonio, TX 78238Directions
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 | 11.55% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.50% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio11.55%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.50%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ 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 Research Center 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.