BlastPoint's Credit Union Scorecard
AMERICAN SOUTHWEST
Charter #68567 · AZ
AMERICAN SOUTHWEST has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 65.5% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.33% above tier average
- + Total Members: Top 4.8% in tier
- + Total Deposits: Top 7.4% in tier
- + Efficiency Ratio: Top 7.6% in tier
- + Total Assets: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.9% in tier
- - Credit Risk Growth: Bottom 17.1% in tier
- - Delinquency rate 0.62% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,668
-0.3% YoY-0.1% QoQ
|
+18.0K |
15,628
-3.4% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 4.9% in tier |
| Assets |
$413.3M
+2.9% YoY+1.1% QoQ
|
+$182.0M |
$231.3M
-0.0% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
Top 8.9% in tier |
| Loans |
$226.7M
+5.2% YoY-0.1% QoQ
|
+$78.9M |
$147.8M
-1.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$366.3M
+1.6% YoY+0.7% QoQ
|
+$166.0M |
$200.3M
-0.0% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 7.5% in tier |
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| ROA |
1.3%
+48.8% YoY+14.2% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.9%
+19.1% YoY+2.8% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
59.2%
-6.9% YoY-3.9% QoQ
|
-18.1% |
77.3%
-3.0% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
1.5%
+15.0% YoY+8.3% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
Top 15.0% in tier |
| Loan To Share |
61.9%
+3.5% YoY-0.8% QoQ
|
-10.8% |
72.7%
-1.5% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$17,615
+3.3% YoY+0.5% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
22.7%
-3.7% YoY+0.8% QoQ
|
-1.7% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
6.7%
-33.2% YoY-9.2% QoQ
|
-7.3% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
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)