credit union ROAAEditor's Note: The financial figures reported in this story and Credit Union Times Dec. 17, 2014 print issue will not match those posted online by the NCUA. CU Times partnered with Callahan & Associates to analyze the NCUA's call report data and further enhance the figures using Calllahan methodology.

Small credit unions often struggle to generate a high return on assets, but the $47 million Southwest Financial Federal Credit Union, based in Dallas, was one of the exceptions that disproved that rule.

Southwest Financial was one of several small credit unions that rose to top in the highest operating ROA category, according to data analyzed by the Washington-based Callahan & Associates for CU Times.

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