Southwest Heritage Bank vs Southeastern Arizona
Comparing a Bank in Scottsdale, AZ with a Credit Union in Douglas, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Southwest Heritage Bank ↗ Bank · Scottsdale, AZ · Est. 1934 | Southeastern Arizona ↗ Credit Union · Douglas, AZ · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Scottsdale, AZ | Douglas, AZ |
| Total assets | $915.2M | $49.0M |
| Capital ratio | 13.1% | 14.3% |
| Return on assets | 0.9% | 2.3% |
| Deposits | $782.9M | — |
| Branches | 9 | 5,392 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 12 | #1 of 33 |
| Established | 1934 | 1954 |
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
Southeastern Arizona
- Assets: $49.0M
- Members: 5,392
- Capital ratio: 14.3%
- Return on assets: 2.3%
- CFPB complaints: 0
- State rank: #1 of 33
Are both institutions federally insured?
Yes. Southwest Heritage Bank is FDIC-insured and Southeastern Arizona 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 Southeastern Arizona?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Southeastern Arizona 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 Southeastern Arizona safe?
Yes — Southeastern Arizona 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 Southeastern Arizona?
Southwest Heritage Bank has a capital ratio of 13.1%, placing it in the top 19% of $100M–1B peers. Southeastern Arizona's ratio is 14.3%, placing it in the top 50% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Southwest Heritage Bank have compared to Southeastern Arizona?
The CFPB database shows 0 complaints against Southwest Heritage Bank, and 0 complaints against Southeastern Arizona. 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.
