Federal credit union · Fort Worth, Texas · NCUA charter #23957
American Airlines
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $9.30B
- Total assets
- 385,015
- Members
- 11.5%
- Net-worth ratio
American Airlines - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23957 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
American Airlines - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)95
- Earnings (ROA)88
- Member growth85
- Liquidity (loan-to-share)96
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.46% | 30% |
| Delinquency Rate | 0.63% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | 3.15% | 15% |
| Loan-to-Share Ratio | 67.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.30B | 385,015 |
| 2024Q4 | $9.07B | 373,275 |
| 2023Q4 | $8.64B | 355,473 |
Credit Union Details
- Charter Number
- 23957
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
What This Data Says About American Airlines
American Airlines is a federal credit union headquartered in Fort Worth, Texas, serving 385,015 members with $9.30B in total assets and $5.48B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 94/100 (Excellent), anchored by a net worth ratio of 11.46% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #23957 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.63% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 67.18% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.38% on net income of $34.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.15%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is American Airlines financially healthy?
A 11.46% net worth ratio and a 0.63% delinquency rate feed into American Airlines's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does American Airlines compare to other credit unions?
American Airlines scores 94/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join American Airlines?
American Airlines operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact American Airlines directly for the exact boundaries and application steps.
Is my money safe at American Airlines?
Federal credit unions like American Airlines are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. American Airlines's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American Airlines offer compared to banks?
Credit unions like American Airlines are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact American Airlines directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.