TellerScore

Headquartered in Fort Worth, Texas, American Airlines Federal Credit Union is a federal credit union with $9.5B in total assets and $8.3B in member shares and deposits as of Q2 2026. It operates 31 offices across 10 states. Its charter dates back to 1982.

Based on its Q2 2026 filing, American Airlines Federal Credit Union scores 75/100, which we describe as strong. That is higher than 75% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 165th. Its strongest component is funding & liquidity (94/100; 67% loans-to-deposits, 13% uninsured), and its lowest is earnings (56/100; 0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.68%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity94/100
Loans ÷ shares: 66.5% · 12.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (70 → 75), mostly because the earnings component improved by 16 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202468
Q1 202569
Q2 202570
Q3 202572
Q4 202572
Q1 202674
Q2 202675
Net worth ratio
7.00%9.34%11.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.99%
Q3 202410.96%
Q4 202411.03%
Q1 202510.88%
Q2 202511.05%
Q3 202511.28%
Q4 202511.46%
Q1 202611.49%
Q2 202611.68%
Delinquent loans (60+ days)
0.48%0.56%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.58%
Q4 20240.61%
Q1 20250.48%
Q2 20250.53%
Q3 20250.50%
Q4 20250.63%
Q1 20260.52%
Q2 20260.60%
Return on assets
0.30%0.60%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.31%
Q4 20240.38%
Q1 20250.38%
Q2 20250.49%
Q3 20250.61%
Q4 20250.73%
Q1 20260.82%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$9.5B11.68%0.60%0.91%66.5%
Q1 202674$9.4B11.49%0.52%0.82%65.8%
Q4 202572$9.3B11.46%0.63%0.73%67.2%
Q3 202572$9.2B11.28%0.50%0.61%67.5%
Q2 202570$9.3B11.05%0.53%0.49%66.9%
Q1 202569$9.3B10.88%0.48%0.38%66.6%
Q4 202468$9.1B11.03%0.61%0.38%67.9%
Q3 202468$9.0B10.96%0.58%0.31%67.9%
Q2 202468$8.9B10.99%0.59%0.30%68.2%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.68%
64th
Problem loans0.60%
58th
Net charge-offs0.46%
57th
Return on assets0.91%
60th
Loans to deposits66.5%
88th
Uninsured deposits12.7%
22nd
Loan-loss reserves0.00%
50th
Texas ratio3.1%
74th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Dow Employees Credit UnionCredit union Houston, TX49 out of 100, Below average$5.0B10.2%1.77%vs
Eecu Credit UnionCredit union Fort Worth, TX81 out of 100, Strong$4.9B12.7%0.45%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs
Gecu Federal Credit UnionCredit union El Paso, TX75 out of 100, Strong$4.7B13.6%1.00%vs
Credit Human Federal Credit UnionCredit union San Antonio, TX43 out of 100, Below average$4.3B7.3%1.09%vs
University Federal Credit UnionCredit union Austin, TX60 out of 100, Moderate$4.3B9.7%1.11%vs

Deposit insurance

Is my money safe at American Airlines Federal Credit Union?

Yes. American Airlines Federal Credit Union is a federally insured credit union (NCUA charter #23957). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.7% of shares and deposits ($1.1B) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

31 locations

Branches

American Airlines Federal Credit Union lists 31 offices in 22 cities across 10 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Airlines Federal Credit Union reported 3,776 home-loan applications under HMDA (LEI 5493004RLLKTQS8K7U51): 2,099 originated ($514,765,000 total), 1,049 denied, and 337 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Airlines Federal Credit Union
Type
Federal credit union
NCUA charter #
23957
RSSD ID
49090
Primary regulator
NCUA
Established
1982
Headquarters
14050 FAA Blvd, Fort Worth, TX 76155
Employees
796

Quick answers

American Airlines Federal Credit Union: common questions

Is American Airlines Federal Credit Union NCUA insured?

Yes. American Airlines Federal Credit Union is a federally insured credit union (NCUA charter #23957). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is American Airlines Federal Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does American Airlines Federal Credit Union have?

31 offices as of the latest NCUA data, in 10 states.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs