Southwest Heritage Bank vs Cochise
Comparing a Bank in Scottsdale, AZ with a Credit Union in Willcox, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Southwest Heritage Bank ↗ Bank · Scottsdale, AZ · Est. 1934 | Cochise ↗ Credit Union · Willcox, AZ · Est. 1958 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Scottsdale, AZ | Willcox, AZ |
| Total assets | $915.2M | $76.8M |
| Capital ratio | 13.1% | 16.6% |
| Return on assets | 0.9% | 1.7% |
| Deposits | $782.9M | — |
| Branches | 9 | 5,840 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 12 | #2 of 33 |
| Established | 1934 | 1958 |
Southwest Heritage Bank
- Assets: $915.2M
- Deposits: $782.9M
- Capital ratio: 13.1%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #3 of 12
Cochise
- Assets: $76.8M
- Members: 5,840
- Capital ratio: 16.6%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #2 of 33
Are both institutions federally insured?
Yes. Southwest Heritage Bank is FDIC-insured and Cochise is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Southwest Heritage Bank or Cochise?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cochise scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Southwest Heritage Bank safe?
Yes — Southwest Heritage Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (97/100), reflecting its financial strength and complaint history relative to peers.
Is Cochise safe?
Yes — Cochise is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Southwest Heritage Bank vs Cochise?
Southwest Heritage Bank has a capital ratio of 13.1%, placing it in the top 19% of $100M–1B peers. Cochise's ratio is 16.6%, placing it in the top 35% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Southwest Heritage Bank have compared to Cochise?
The CFPB database shows 0 complaints against Southwest Heritage Bank, and 0 complaints against Cochise. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Southwest Heritage Bank with other Banks in Arizona
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
