Federal credit union · Fort Worth, Texas · NCUA charter #23957
American Airlines
Health score 94/100, grade A (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 scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.30B; members 385,015; net-worth ratio 11.49%; health rank #519 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#519 of 4,374 health · 2025Q4American Airlines · health 94/100 · $9.30B · 2025Q4
- RANK 94/100
- PHOTO 11.5%
- BOOK 0.63%
- CHARTER 0.38%
- NCUSIF $9.30B
- CAMELS 385,015
- HEALTH #519/4,374
- NW Pennsylvania State Employees
- DELQ 23957
Call Report peers
American Airlines in the assets neighbourhood
American Airlines's $9.30B assets sit next to Pennsylvania State Employees ($9.31B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American Airlines vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where American Airlines diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.31 pp (11.49% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.72 pp (67.18% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
American Airlines in Texas
- Health composite ranks #49 of 386 among scored Texas credit unions.
- By total assets, American Airlines is #3 of 386 in Texas.
- Membership ranks #7 of 386 among Texas CUs with a reported count (385,015 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for American Airlines
American Airlines: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $9.30B (2025Q4) to $9.45B (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.46% → 11.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 13.1 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 14.4 pts
American Airlines health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.49% | +0.31 pp |
| Delinquency Rate | 0.63% | -0.24 pp |
| Return on Assets | 0.38% | -0.13 pp |
| Member Growth | 3.15% | - |
| Loan-to-Share Ratio | 67.18% | -16.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - American Airlines
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.45B | - |
| 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
Branch Locations (47)
The NCUA branch filing lists 47 physical offices for American Airlines, spread across 29 cities in 13 states.
| Office | City |
|---|---|
| AAFCU Headquarters (Main Office) | Fort Worth, TX |
| AAFCU - BOSC | Boston, MA |
| AAFCU - Broken Arrow | Broken Arrow, OK |
| AAFCU - RDUR | Cary, NC |
| AAFCU - CLT | Charlotte, NC |
| AAFCU - CLT-TC | Charlotte, NC |
| AAFCU - ORD | Chicago, IL |
| AAFCU - ORDC | Chicago, IL |
| AAFCU - ORG | Chicago, IL |
| AAFCU - DFWA | DFW Airport, TX |
| AAFCU - DFWC | DFW Airport, TX |
| AAFCU - DFWD | DFW Airport, TX |
| AAFCU - BOS | East Boston, MA |
| AAFCU - LAXT | El Segundo, CA |
| AAFCU - HTC | Euless, TX |
| AAFCU - FLOMO | Flower Mound, TX |
| AAFCU - LGA | Flushing, NY |
| AAFCU - LGAB | Flushing, NY |
| AAFCU - FLL | Fort Lauderdale, FL |
| AAFCU - Flagship Branch | Fort Worth, TX |
| AAFCU - SV3 | Fort Worth, TX |
| AAFCU - SV1 | Fort Worth, TX |
| AAFCU - SV5 | Fort Worth, TX |
| AAFCU - SV2 | Fort Worth, TX |
| AAFCU - SV8C | Fort Worth, TX |
| AAFCU - SV7 | Fort Worth, TX |
| AAFCU - Hurst | Hurst, TX |
| AAFCU - Envoy | Irving, TX |
| AAFCU - HAJ | Jamaica, NY |
| AAFCU - JFK | Jamaica, NY |
| AAFCU - LAX | Los Angeles, CA |
| AAFCU - MBL | Miami, FL |
| AAFCU - MIAC | Miami, FL |
| AAFCU - MIAM | Miami, FL |
| AAFCU - MIAH | Miami, FL |
| AAFCU - MIAD | Miami, FL |
| AAFCU - BNA | Nashville, TN |
| AAFCU - EWR | Newark, NJ |
| AAFCU - OWA | Owasso, OK |
| AAFCU - PHL | Philadelphia, PA |
| AAFCU - PHX | Phoenix, AZ |
| AAFCU - ROS | Rosemont, IL |
| AAFCU - SFO | San Francisco, CA |
| AAFCU - SLK | Southlake, TX |
| AAFCU - PHX RIO | Tempe, AZ |
| AAFCU - TUL | Tulsa, OK |
| AAFCU - DCAC | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near American Airlines
Two NCUA Call Report peer sets for American Airlines, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.30B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- American Airlines ranks #519 of 4,374 nationally on financial health and #49 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMMUNITYAMERICA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMUNITYAMERICA
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is American Airlines financially healthy?
A 11.49% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #519 of 4,374; by total assets it ranks #36 of 4,374 nationally (same basis as /rankings/largest); and #3 of 386 within Texas. 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 11.49% 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.
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.