American Southwest
Sierra Vista, AZ · Charter 68567 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$440.0MAssets
$236.5MLoans
$388.7MShares
$49.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets (rank 74 of 1681).
- Widest gap: equity / assets trails 65% of credit unions under $1B in assets (rank 1101 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.56%
Rank 218 of 1,683
Net Interest Margin
4.09%
Rank 601 of 1,683
Efficiency Ratio
57.64%
Rank 159 of 1,682
Equity / Assets
11.31%
Rank 1,101 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.35% | 0.74% | 1.18% | Beats 87% | 218 / 1,683 | | |
| Return on Equity | 13.82% | 2.67% | 5.89% | 8.74% | Beats 96% | 74 / 1,681 | | |
| Net Interest Margin | 4.09% | 3.31% | 3.82% | 4.32% | Beats 64% | 601 / 1,683 | | |
| Efficiency Ratio | 57.64% | 68.91% | 78.20% | 86.93% | Beats 91% | 159 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,024 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,101 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.31% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,101 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.86% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,076 / 1,683 | | |
| Loans / Assets | 53.76% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,005 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |