AMERICAN AIRLINES
Charter #23957 · Fort Worth, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.30% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 3.60% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.20% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 74th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AMERICAN AIRLINES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.45B | 93th pct | 80th pct |
| Members | 388,005 | 89th pct | 74th pct |
| Net worth ratio | 11.49% | 65th pct | 62th pct |
| Return on average assets | 0.83% | 59th pct | 56th pct |
| Net interest margin | 2.30% | 5th pct | 3th pct |
| Cost of funds | 3.60% | 99th pct | 97th pct |
| Loan-to-share | 65.83% | 11th pct | 21th pct |
| Delinquency 60+ days | 0.52% | 40th pct | 34th pct |
| Net charge-off ratio | 0.51% | 49th pct | 46th pct |
| Loan growth YoY | -0.42% | 21th pct | 19th pct |
| Share growth YoY | 2.10% | 19th pct | 26th pct |
| Efficiency ratio | 58.20% | 9th pct | 7th pct |
structural peer set hash: 2b35dbb8793e2cd844a886c9c48a28a7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.