BlastPoint's Credit Union Scorecard
AMERICAN SOUTHWEST
Charter #68567 · AZ
AMERICAN SOUTHWEST has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 0.43% above tier average
- + Total Members: Top 4.1% in tier
- + Total Deposits: Top 4.8% in tier
- + Efficiency Ratio: Top 4.9% in tier
- + Total Assets: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,574
-0.2% YoY+0.5% QoQ
|
+18.4K |
15,145
-2.5% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$437.3M
+6.5% YoY+2.4% QoQ
|
+$205.6M |
$231.7M
+0.8% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
Top 5.9% in tier |
| Loans |
$231.5M
+3.1% YoY+1.3% QoQ
|
+$87.3M |
$144.1M
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$387.7M
+5.4% YoY+2.2% QoQ
|
+$186.5M |
$201.1M
+0.4% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
Top 4.9% in tier |
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| ROA |
1.6%
+70.5% YoY+27.9% QoQ
|
+0.9% |
0.7%
+5.1% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
Top 8.8% in tier |
| NIM |
4.1%
+9.1% YoY+4.7% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
56.0%
-10.7% YoY-5.4% QoQ
|
-22.0% |
78.0%
-1.7% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
1.0%
-2.2% YoY-16.6% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
59.7%
-2.2% YoY-0.9% QoQ
|
-10.7% |
70.4%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$18,442
+4.8% YoY+1.3% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
21.0%
-9.7% YoY-4.6% QoQ
|
-3.3% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % |
5.6%
-34.2% YoY-11.7% QoQ
|
-8.2% | 13.8% | 21.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)