BlastPoint's Credit Union Scorecard
AMERICAN AIRLINES
Charter #23957 · TX
AMERICAN AIRLINES has 3 strengths but faces 4 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 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
|
23% |
| 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
|
57% |
| 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
|
20% |
| 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
|
80% |
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| 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
|
20% |
| 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
|
50% |
| 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
|
27% |
| 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
|
70% |
| 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
|
52% |
| 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
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)