AMERICAN AIRLINES
Charter #23957 | TX
7B-10B
(30 CUs)
Large
($5B-$10B)
(64 CUs)
1 7B-10B in TX
AMERICAN AIRLINES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 14.5% in tier
- + Organic Growth Engine: Top 17.6% in tier
- + Indirect Auto Concentration (%): Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 12.5% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
381,912
+3.7% YoY+0.6% QoQ
|
-77.4K |
459,296
+3.8% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 23.3% in tier |
| Assets |
$9.2B
+2.6% YoY-0.2% QoQ
|
+$317.5M |
$8.9B
+1.2% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$5.5B
+1.2% YoY+0.2% QoQ
|
$-867.2M |
$6.3B
+2.9% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.0% in tier |
| Deposits |
$8.1B
+1.8% YoY-0.6% QoQ
|
+$656.2M |
$7.5B
+2.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 20.0% in tier |
| ROA |
0.6%
+96.3% YoY+24.7% QoQ
|
-0.4% |
1.0%
+22.1% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 20.0% in tier |
| NIM |
2.0%
+13.0% YoY+4.3% QoQ
|
-1.0% |
3.0%
+11.5% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
63.6%
-8.9% YoY-2.7% QoQ
|
-0.2% |
63.7%
-2.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate |
0.5%
-14.4% YoY-5.9% QoQ
|
-0.2 |
0.7%
+10.8% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
27th in tier |
| Loan To Share |
67.5%
-0.6% YoY+0.8% QoQ
|
-17.9% |
85.4%
+0.7% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.0% in tier |
| AMR |
$35,568
-2.1% YoY-0.8% QoQ
|
+$2K |
$33,660
-2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
70th in tier |
| CD Concentration |
29.9%
+1.9% YoY+1.2% QoQ
|
+1.0% |
28.9%
-1.3% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
52nd in tier |
| Indirect Auto % |
0.0%
-93.4% YoY-38.9% QoQ
|
-16.6% |
16.6%
-10.3% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 7.8% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growth
#13 of 28 • Top 14.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
3.74%
(Tier:
3.07%, National:
9.37%)
28 of 64 Large CUs have this signature
| 608 nationally
→ Stable (28→28 CUs)
|
Rank worsening
Organic Growth Engine
growth
#27 of 50 • Top 17.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.74%
(Tier:
3.07%, National:
9.37%)
Return on Assets:
0.61%
(Tier:
0.91%, National:
0.71%)
Indirect Auto %:
0.01%
(Tier:
16.60%, National:
7.90%)
50 of 64 Large CUs have this signature
| 917 nationally
→ Stable (52→50 CUs)
-2 CUs YoY
Concerns (1)
Shrinking Wallet Share
decline
#7 of 15 • Bottom 12.5% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.11%
(Tier:
2.82%, National:
4.19%)
15 of 64 Large CUs have this signature
| 346 nationally
↓ Shrinking
-6 CUs YoY
|
Rank improving
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)
Top Strengths (2 metrics)
2
Indirect Auto Concentration (%)
balance_sheet
Value:
0.01%
Peer Avg: 18.85%
#2 of 30
Top 3.3% in 7B-10B tier
6
Total Deposits
balance_sheet
Value:
$8.11B
Peer Avg: $7.45B
#6 of 30
Top 16.7% in 7B-10B tier
Top Weaknesses (8 metrics)
29
Net Interest Margin (NIM)
profitability
Value:
2.02%
Peer Avg: 3.00%
#29 of 30
Bottom 6.7% in 7B-10B tier
28
First Mortgage Concentration (%)
balance_sheet
Value:
63.33%
Peer Avg: 38.48%
#28 of 30
Bottom 10.0% in 7B-10B tier
27
Loan-to-Share Ratio
balance_sheet
Value:
67.50%
Peer Avg: 85.44%
#27 of 30
Bottom 13.3% in 7B-10B tier
25
Fee Income Per Member
profitability
Value:
$145.26
Peer Avg: $199.46
#25 of 30
Bottom 20.0% in 7B-10B tier
25
AMR Growth Rate
growth
Value:
-2.11%
Peer Avg: 1.77%
#25 of 30
Bottom 20.0% in 7B-10B tier
24
Return on Assets (ROA)
profitability
Value:
0.61%
Peer Avg: 1.03%
#24 of 30
Bottom 23.3% in 7B-10B tier
24
Deposit Growth Rate
growth
Value:
1.80%
Peer Avg: 4.48%
#24 of 30
Bottom 23.3% in 7B-10B tier
24
Total Loans
balance_sheet
Value:
$5.47B
Peer Avg: $6.34B
#24 of 30
Bottom 23.3% in 7B-10B tier