American Southwest

Sierra Vista, AZ · 2 · Charter #68567 · www.ascu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$427.2M
47th percentile
Members
33,396
61th percentile
Total loans
$228.5M
30th percentile
Total shares
$379.3M
50th percentile

Profitability

Return on assets
1.90%
93th percentile
Net interest margin
3.82%
73th percentile
Efficiency ratio
49.40%
83th percentile
Non-interest income ratio
14.90%
26th percentile

Capital & Risk

Net worth ratio
10.85%
51th percentile
Delinquency rate
1.21%
19th percentile
Net charge-off rate
0.94%
13th percentile
Loan-to-share
60.26%
13th percentile

Growth

Member growth YoY
-0.57%
37th percentile
Asset growth YoY
4.89%
47th percentile
Loan growth YoY
6.50%
63th percentile
Share growth YoY
3.82%
41th percentile

Operations

Members / branch
4,771
53th percentile
Assets / member
$12,793
18th percentile
Field of membership penetration
83.49%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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