BlastPoint's Credit Union Scorecard
AMERICAN AIRLINES
Charter #23957 · TX
AMERICAN AIRLINES has 3 strengths but faces 5 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 54.7% in tier
- + Organic Growth Leader: Top 57.1% in tier
- + Indirect Auto Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 91.7% in tier
- - Credit Risk Growth: Bottom 100.0% in tier
- - ROA 0.24% below tier average
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
385,015
+3.1% YoY+0.8% QoQ
|
-60.9K |
445,922
+0.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$9.3B
+2.6% YoY+0.7% QoQ
|
+$373.1M |
$8.9B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$5.5B
+0.6% YoY+0.1% QoQ
|
$-775.5M |
$6.3B
+0.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$8.2B
+1.7% YoY+0.6% QoQ
|
+$641.6M |
$7.5B
+1.2% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
0.7%
+89.2% YoY+19.9% QoQ
|
-0.2% |
1.0%
+27.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
2.1%
+16.3% YoY+5.8% QoQ
|
-0.8% |
3.0%
+12.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
60.8%
-8.4% YoY-4.3% QoQ
|
-4.0% |
64.8%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.6%
+3.9% YoY+26.8% QoQ
|
-0.1 |
0.7%
+5.5% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
67.2%
-1.1% YoY-0.5% QoQ
|
-16.2% |
83.4%
-0.6% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.1% in tier |
| AMR |
$35,434
-1.8% YoY-0.4% QoQ
|
+$1K |
$34,266
-1.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
30.1%
+2.7% YoY+0.8% QoQ
|
+1.0% | 29.1% | 21.2% | 19.8% | 52% |
| Indirect Auto % |
0.0%
-93.7% YoY-38.9% QoQ
|
-17.1% | 17.1% | 7.1% | 7.8% | Bottom 7.5% 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 (<20%). Healthy, sustainable growth model.
Concerns (3)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)