BlastPoint's Credit Union Scorecard

AMERICAN AIRLINES

Charter #23957 · TX

Large 7B-10B

American Airlines CU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

American Airlines CU is one of 101 credit unions in the 2026 VentureTech card set. We also found American Airlines CU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

American Airlines CU

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AMERICAN AIRLINES CU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
AMERICAN AIRLINES CU'S BIGGEST OPPORTUNITY

28 CUs in 7B-10B nationally 1 in TX

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AMERICAN AIRLINES at a glance

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 42.2% in tier
- Credit Risk Growth: Bottom 81.2% in tier
- Stagnation Risk: Bottom 84.4% in tier
- Membership Headwinds: Bottom 84.4% in tier
- ROA 0.12% below tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	374,627 -1.3% YoY-3.4% QoQ	-64.3K	438,885 -1.1% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	25%
Assets	$9.5B +2.6% YoY+0.5% QoQ	+$576.7M	$8.9B +0.0% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	61%
Loans	$5.5B +1.1% YoY+1.3% QoQ	$-692.0M	$6.2B -0.6% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	29%
Deposits	$8.3B +1.7% YoY+0.3% QoQ	+$645.5M	$7.7B +2.7% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +86.0% YoY+10.6% QoQ	-0.1%	1.0% +4.7% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	36%
NIM	2.3% +18.5% YoY+0.7% QoQ	-0.8%	3.1% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Bottom 7.1% in tier
Efficiency Ratio	59.0% -9.7% YoY+1.3% QoQ	-7.1%	66.1% +1.6% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	18%
Delinquency Rate	0.6% +13.5% YoY+15.5% QoQ	-0.2	0.8% +23.1% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	32%
Loan To Share	66.5% -0.6% YoY+1.1% QoQ	-14.7%	81.3% -3.8% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	18%
AMR	$36,906 +2.9% YoY+4.3% QoQ	$-374	$37,279 +8.1% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	71%
CD Concentration	30.6% +3.8% YoY+2.2% QoQ	+2.3%	28.3%	21.6%	20.0%	56%
Indirect Auto %	0.0%	-16.8%	16.8%	6.9%	7.7%	Top 7.6% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#14 of 16 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.88%

(Tier: 4.16%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $2.0K

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

16 of 67 Large CUs have this signature | 354 nationally

→ Stable (12→16 CUs) +4 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#10 of 13 • Bottom 84.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.13%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.60%

(Tier: 0.79%, National: 1.26%)

but better than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | New qualifier

Credit Quality Pressure

risk

#27 of 33 • Bottom 42.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | New qualifier

Membership Headwinds

decline

#11 of 13 • Bottom 84.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | New qualifier

Credit Risk Growth

risk

#28 of 28 • Bottom 81.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.13%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 28 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 15.88%

#3 of 28 Top 7.1% in 7B-10B tier

Efficiency Ratio

profitability

Value: 58.96%

Peer Median: 63.82%

#6 of 28 Top 17.9% in 7B-10B tier

Total Deposits

balance_sheet

Value: $8.30B

Peer Median: $7.79B

#6 of 28 Top 17.9% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $36,906

Peer Median: $31,495

#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 2.30%

Peer Median: 3.12%

#26 of 28 Bottom 10.7% in 7B-10B tier

Deposit Growth Rate

growth

Value: 1.75%

Peer Median: 5.19%

#25 of 28 Bottom 14.3% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 64.05%

Peer Median: 37.58%

#25 of 28 Bottom 14.3% in 7B-10B tier

Fee Income Per Member

profitability

Value: $148.15

Peer Median: $206.85

#23 of 28 Bottom 21.4% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 66.54%

Peer Median: 83.58%

#23 of 28 Bottom 21.4% in 7B-10B tier