BlastPoint's Credit Union Scorecard
AMERICAN SOUTHWEST
Charter #68567 · AZ
AMERICAN SOUTHWEST demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.70% above tier average
- + Net Interest Margin 0.42% above tier average
- + Total Members: Top 4.1% in tier
- + Total Deposits: Top 4.8% in tier
- + Total Assets: Top 6.0% in tier
- + Efficiency Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
- Shares and deposits +6.8% year over year ($389M in shares and deposits).
- Membership: 33,745 members, +0.1% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 1.57%.
- Efficiency ratio 57.64% vs a 76.73% peer average.
- Loan-to-share ratio 60.86% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,745
+0.1% YoY+0.5% QoQ
|
+18.6K |
15,168
-2.6% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Top 4.2% in tier |
| Assets |
$440.0M
+7.6% YoY+0.6% QoQ
|
+$208.0M |
$232.0M
+0.7% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
Top 6.1% in tier |
| Loans |
$236.5M
+4.2% YoY+2.2% QoQ
|
+$90.3M |
$146.3M
+0.2% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$388.7M
+6.8% YoY+0.3% QoQ
|
+$187.9M |
$200.7M
+0.2% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 4.9% in tier |
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| ROA |
1.6%
+37.1% YoY-2.1% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
Top 11.5% in tier |
| NIM |
4.1%
+7.9% YoY+1.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
57.6%
-6.3% YoY+3.0% QoQ
|
-19.1% |
76.7%
-0.8% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.9%
-35.6% YoY-13.2% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
60.9%
-2.4% YoY+1.9% QoQ
|
-10.7% |
71.5%
-0.3% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$18,526
+5.7% YoY+0.5% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
20.3%
-9.9% YoY-3.4% QoQ
|
-4.3% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
5.0%
-32.1% YoY-9.8% QoQ
|
-8.6% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)