State credit union · Sierra Vista, Arizona · NCUA charter #68567
American Southwest
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $427.2M
- Total assets
- 33,396
- Members
- 11.0%
- Net-worth ratio
American Southwest scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $427.2M; members 33,396; net-worth ratio 11.00%; health rank #2,134 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,134 of 4,374 health · 2025Q4American Southwest · health 84/100 · $427.2M · 2025Q4
Call Report peers
American Southwest in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American Southwest vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); American Southwest sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Peer-gap read for American Southwest
- Largest favorable gap: Return on Assets at 0.84% vs peer 0.62% (+0.22 pp).
- Largest lag: Loan-to-Share Ratio at 60.26% vs peer 72.20% (-11.94 pp).
Arizona standing for American Southwest
- Arizona health ordinal: #19 of 33.
- Assets rank #14 of 33 inside Arizona ($427.2M reported).
- Arizona membership ordinal: #14 of 33.
- One place up in Arizona, Southeastern Arizona (#18) ties at 84/100; one place down, First American (#20) scores 83/100, 1 point lower.
How American Southwest's 5300 filing moved
American Southwest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $427.2M (2025Q4) to $437.3M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.85% → 11.00%).
At 11.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
American Southwest gives up 16 points in total. Member Growth costs the most, 7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 12.6 pts
American Southwest health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.00% | -1.11 pp |
| Delinquency Rate | 1.21% | +0.32 pp |
| Return on Assets | 0.84% | +0.22 pp |
| Member Growth | -0.57% | - |
| Loan-to-Share Ratio | 60.26% | -11.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
American Southwest filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $437.3M | - |
| 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
Branch Locations (7)
Per its most recent NCUA branch filing, American Southwest runs 7 offices in 7 different cities.
| Office | City |
|---|---|
| ASCU - Main Branch (Main Office) | Sierra Vista, AZ |
| ASCU - Branch 6 | Benson, AZ |
| ASCU - Branch 4 | Douglas, AZ |
| ASCU - Branch 2 | Fort Huachuca, AZ |
| ASCU - Branch 8 | Green Valley, AZ |
| ASCU - Branch 10 | Kearny, AZ |
| ASCU - Branch 9 | Thatcher, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for American Southwest
Using this data
- American Southwest ranks #2,134 of 4,374 nationally on financial health and #19 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Avenir Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Avenir Financial
Frequently Asked Questions
Is American Southwest financially healthy?
On its 2025Q4 NCUA 5300 filing, American Southwest scores 84/100 (Excellent), with a 11.00% net worth ratio and 1.21% of loans delinquent. It ranks #2,134 of 4,374 nationally on health and #19 of 33 in Arizona.
How does American Southwest compare to other credit unions?
American Southwest scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.84% vs 0.62%). Its widest shortfall is loan-to-share ratio (60.26% vs 72.20%).
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?
American Southwest is a state-chartered credit union; its shares are federally 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 11.00% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.