BlastPoint's Credit Union Scorecard
AMERICAN AIRLINES
Charter #23957 · TX
AMERICAN AIRLINES has 2 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 48.4% in tier
- + Organic Growth Leader: Top 48.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 39.1% in tier
- - Shrinking Wallet Share: Bottom 92.2% in tier
- - ROA 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
388,005
+2.9% YoY+0.8% QoQ
|
-48.9K |
436,889
-2.3% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$9.4B
+1.9% YoY+1.6% QoQ
|
+$538.9M |
$8.9B
-0.1% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$5.5B
-0.1% YoY-0.6% QoQ
|
$-695.8M |
$6.1B
-1.1% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$8.3B
+1.1% YoY+1.5% QoQ
|
+$625.4M |
$7.7B
+1.8% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
0.8%
+116.4% YoY+12.4% QoQ
|
-0.1% |
0.9%
+16.3% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
2.3%
+19.2% YoY+6.7% QoQ
|
-0.8% |
3.1%
+6.3% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
58.2%
-11.9% YoY-4.3% QoQ
|
-7.9% |
66.1%
-2.8% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
0.5%
+9.5% YoY-17.6% QoQ
|
-0.1 |
0.6%
+12.0% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
65.8%
-1.2% YoY-2.0% QoQ
|
-14.6% |
80.4%
-3.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$35,389
-2.2% YoY-0.1% QoQ
|
$-2K |
$37,056
+6.8% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration |
30.0%
+2.9% YoY-0.4% QoQ
|
+1.3% | 28.6% | 21.3% | 19.8% | 53% |
| Indirect Auto % | 0.0% | -16.4% | 16.4% | 6.9% | 7.7% | Top 7.6% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)