American Airlines Federal Credit Union
Total assets
$9.45B
▲ +1.9% YoY
Shares & deposits
$8.28B
▲ +1.1% YoY
Loans
$5.45B
▼ -0.1% YoY
Members
388,005
▲ +2.9% YoY
ROA (annualized)
0.82%
peers 0.71%
ROE (annualized)
7.15%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Share growth (YoY) | +1.1% | +4.9% | -3.8 pts |
| Loan growth (YoY) | -0.1% | +5.4% | -5.5 pts |
| ROA | 0.82% | 0.71% | +0.1 pts |
| ROE | 7.2% | 6.3% | +0.9 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1982
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 14050 Faa Blvd, Fort Worth, TX, 76155
- NCUA charter #
- 23957
- RSSD ID
- 49090
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.45B | $8.28B | $5.45B | $1.09B | $19.4M | 0.82% | 2.28% | 0.52% | 388,005 |
| Q4 2025 | $9.30B | $8.16B | $5.48B | $1.07B | $67.7M | 0.73% | 2.13% | 0.63% | 385,015 |
| Q3 2025 | $9.24B | $8.11B | $5.47B | $1.04B | $42.3M | 0.61% | 2.02% | 0.50% | 381,912 |
| Q2 2025 | $9.25B | $8.16B | $5.46B | $1.02B | $22.6M | 0.49% | 1.94% | 0.53% | 379,742 |
| Q1 2025 | $9.27B | $8.19B | $5.46B | $1.01B | $8.7M | 0.38% | 1.89% | 0.48% | 377,059 |
| Q4 2024 | $9.07B | $8.02B | $5.45B | $1000.0M | $34.9M | 0.38% | 1.83% | 0.61% | 373,275 |
| Q3 2024 | $9.01B | $7.97B | $5.41B | $987.6M | $20.9M | 0.31% | 1.78% | 0.58% | 368,129 |
| Q2 2024 | $8.91B | $7.89B | $5.39B | $980.0M | $13.3M | 0.30% | 1.77% | 0.59% | 364,287 |
Loan mix (Q1 2026): real estate $3.85B · commercial $968K · consumer $1.47B · securities $2.99B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.71% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 6.3% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.32% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 73.0% | 7th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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