State credit union · Sierra Vista, Arizona · NCUA charter #68567
American Southwest
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $427.2M
- Total assets
- 33,396
- Members
- 10.8%
- Net-worth ratio
American Southwest - Share Insurance Coverage
Charter #68567's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
American Southwest - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)74
- Earnings (ROA)100
- Member growth53
- Liquidity (loan-to-share)85
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.83% | 30% |
| Delinquency Rate | 1.21% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | -0.57% | 15% |
| Loan-to-Share Ratio | 60.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $427.2M | 33,396 |
| 2024Q4 | $407.3M | 33,589 |
| 2023Q4 | $376.9M | 31,123 |
Credit Union Details
- Charter Number
- 68567
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Arizona
- City
- Sierra Vista
- Data Quarter
- 2025Q4
What This Data Says About American Southwest
33,396 members and $427.2M in total assets sit behind American Southwest, a state credit union in Sierra Vista, Arizona, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $228.5M in outstanding loans as of Q4 2025 and a net worth ratio of 10.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68567 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 60.26% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.21% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.84% on net income of $3.6M 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 -0.57%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Arizona
A look at other Arizona credit unions, ranked by how closely their peer group and asset size match this one.
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 Southwest financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, American Southwest carries a financial health score of 84/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.83% net worth ratio and a 1.21% delinquency rate.
How does American Southwest compare to other credit unions?
84/100 is American Southwest's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Southwest?
Membership eligibility for American Southwest depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact American Southwest directly for current membership requirements and application steps.
Is my money safe at American Southwest?
Federal credit unions like American Southwest 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 Southwest's net worth ratio of 10.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American Southwest offer compared to banks?
Credit unions like American Southwest 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 Southwest 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.