AMERICAN SOUTHWEST
Charter #68567 · Sierra Vista, AZ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 33,574 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.62% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.11% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.01% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.92% sits at the 93rd percentile of structural peers — worth a closer look.
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 SOUTHWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $437.29M | 94th pct | 87th pct |
| Members | 33,574 | 96th pct | 92th pct |
| Net worth ratio | 11.00% | 43th pct | 48th pct |
| Return on average assets | 1.62% | 91th pct | 89th pct |
| Net interest margin | 4.11% | 77th pct | 93th pct |
| Cost of funds | 1.15% | 46th pct | 52th pct |
| Loan-to-share | 59.72% | 26th pct | 30th pct |
| Delinquency 60+ days | 1.01% | 76th pct | 87th pct |
| Net charge-off ratio | 0.92% | 87th pct | 93th pct |
| Loan growth YoY | 2.10% | 67th pct | 72th pct |
| Share growth YoY | 5.83% | 79th pct | 70th pct |
| Efficiency ratio | 55.99% | 5th pct | 3th pct |
structural peer set hash: 83fa7b4471fd5c172e46a9d21376d6a5… (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.