BlastPoint's Credit Union Scorecard

AMERICAN SOUTHWEST

Charter #68567 · AZ

1069 CUs in 100M-500M nationally 8 in AZ

AMERICAN SOUTHWEST has 7 strengths but faces 3 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 91.6% in tier
+ ROA 0.49% above tier average
+ Net Interest Margin 0.28% above tier average
+ Total Members: Top 4.6% in tier
+ Total Deposits: Top 5.6% in tier
+ Efficiency Ratio: Top 6.9% in tier
+ Total Assets: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 89.7% in tier
- Membership Headwinds: Bottom 98.0% in tier
- Delinquency rate 0.32% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	33,396 -0.6% YoY-0.8% QoQ	+18.0K	15,437 -2.9% YoY	61,128 +6.4% YoY	33,374 +5.7% YoY	Top 4.7% in tier
Assets	$427.2M +4.9% YoY+3.4% QoQ	+$195.4M	$231.9M +1.3% YoY	$1.0B +13.9% YoY	$561.6M +9.7% YoY	Top 7.1% in tier
Loans	$228.5M +6.5% YoY+0.8% QoQ	+$81.2M	$147.3M -0.1% YoY	$668.7M +14.2% YoY	$397.0M +8.8% YoY	82%
Deposits	$379.3M +3.8% YoY+3.5% QoQ	+$178.5M	$200.8M +0.8% YoY	$919.7M +13.3% YoY	$477.3M +9.7% YoY	Top 5.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% +40.5% YoY-4.1% QoQ	+0.5%	0.8% +18.2% YoY	0.7% +37.2% YoY	0.7% +15.9% YoY	82%
NIM	3.9% +16.3% YoY-0.7% QoQ	+0.3%	3.6% +6.7% YoY	4.0% +4.9% YoY	3.8% +5.1% YoY	66%
Efficiency Ratio	59.2% -7.2% YoY+0.0% QoQ	-17.8%	77.0% -3.1% YoY	75.5% -2.7% YoY	79.7% -3.3% YoY	Bottom 6.9% in tier
Delinquency Rate	1.2% -0.6% YoY-17.9% QoQ	+0.3	0.9% +4.2% YoY	1.0% +13.7% YoY	1.3% -2.1% YoY	78%
Loan To Share	60.3% +2.6% YoY-2.7% QoQ	-12.0%	72.2% -1.1% YoY	70.1% -3.4% YoY	67.4% -1.7% YoY	24%
AMR	$18,201 +5.4% YoY+3.3% QoQ	$-6K	$24,676 +3.4% YoY	$19,516 +4.9% YoY	$19,687 +2.0% YoY	22%
CD Concentration	22.0% -3.0% YoY-3.1% QoQ	-2.4%	24.4%	17.2%	19.8%	50%
Indirect Auto %	6.3% -32.0% YoY-6.0% QoQ	-7.5%	13.8%	22.5%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#470 of 513 • Top 91.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.42%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Stagnation Risk

risk

#497 of 554 • Bottom 89.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.57%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 6.50%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.21%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#543 of 554 • Bottom 98.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.57%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 33,396

Peer Median: -

#50 of 1069 Top 4.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $379.28M

Peer Median: -

#61 of 1069 Top 5.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.17%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $427.24M

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

151

Members Per Employee (MPE)

engagement

Value: 433.714

Peer Median: -

#151 of 1069 Top 14.0% in 100M-500M tier

190

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

192

Total Loans

balance_sheet

Value: $228.55M

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

Top Weaknesses (6 metrics)

946

Net Charge-Off Rate

risk

Value: 0.94%

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

883

Fee Income Per Member

profitability

Value: $106.11

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

846

Loan-to-Member Ratio (LMR)

engagement

Value: $6,843

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier

840

Total Delinquency Rate (60+ days)

risk

Value: 1.21%

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier

830

Average Member Relationship (AMR)

engagement

Value: $18,201

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

814

Loan-to-Share Ratio

balance_sheet

Value: 60.26%

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier