AMERICAN SOUTHWEST

Charter #68567 | AZ

100M-500M (1077 CUs) Micro
8 100M-500M in AZ

AMERICAN SOUTHWEST has 8 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 24.4% in tier
  • + Relationship Depth Leader: Top 29.6% 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
  • - Growth-at-Risk: 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
 Top 18.5% in tier
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
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
 Top 17.4% in tier
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
 68th in tier
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
 Bottom 25.0% in tier
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
 Bottom 20.5% in tier
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
 50th in tier
Indirect Auto % 6.7%
-33.2% YoY-9.2% QoQ
 -7.3% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#672 of 1006 • Top 24.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#817 of 1006 • Top 29.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#369 of 736 • Bottom 14.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Growth-at-Risk

risk
#257 of 446 • Bottom 17.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.22%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

53
Total Members
engagement
Value: 33,668
Peer Avg: 15,628
#53 of 1077 Top 4.8% in 100M-500M tier
81
Total Deposits
balance_sheet
Value: $366.31M
Peer Avg: $200.29M
#81 of 1077 Top 7.4% in 100M-500M tier
83
Efficiency Ratio
profitability
Value: 59.16%
Peer Avg: 77.28%
#83 of 1077 Top 7.6% in 100M-500M tier
96
Total Assets
balance_sheet
Value: $413.30M
Peer Avg: $231.30M
#96 of 1077 Top 8.8% in 100M-500M tier
149
Members Per Employee (MPE)
engagement
Value: 431.641
Peer Avg: 332.881
#149 of 1077 Top 13.7% in 100M-500M tier
187
Return on Assets (ROA)
profitability
Value: 1.31%
Peer Avg: 0.79%
#187 of 1077 Top 17.3% in 100M-500M tier
199
Total Loans
balance_sheet
Value: $226.75M
Peer Avg: $147.80M
#199 of 1077 Top 18.4% in 100M-500M tier

Top Weaknesses (5 metrics)

916
Total Delinquency Rate (60+ days)
risk
Value: 1.47%
Peer Avg: 0.86%
#916 of 1077 Bottom 15.0% in 100M-500M tier
902
Net Charge-Off Rate
risk
Value: 0.78%
Peer Avg: 0.47%
#902 of 1077 Bottom 16.3% in 100M-500M tier
895
Fee Income Per Member
profitability
Value: $104.63
Peer Avg: $174.31
#895 of 1077 Bottom 17.0% in 100M-500M tier
860
Loan-to-Member Ratio (LMR)
engagement
Value: $6,735
Peer Avg: $10,245
#860 of 1077 Bottom 20.2% in 100M-500M tier
856
Average Member Relationship (AMR)
engagement
Value: $17,615
Peer Avg: $24,363
#856 of 1077 Bottom 20.6% in 100M-500M tier