TellerScore

American Southwest Credit Union (NCUA charter #68567) is based in Sierra Vista, Arizona. Its Q2 2026 call report shows $440.0M in total assets and $388.7M in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, American Southwest Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in Arizona, it ranks 10th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 11% uninsured), and its lowest is capital cushion (63/100; 11.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.31%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings83/100
Return on assets (annualized): 1.56%
Funding & liquidity99/100
Loans ÷ shares: 60.9% · 11.2% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.69%

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 10 points (67 → 77), mostly because the earnings component improved by 17 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202465
Q1 202567
Q2 202567
Q3 202568
Q4 202570
Q1 202675
Q2 202677
Net worth ratio
7.00%9.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.94%
Q3 202410.01%
Q4 202410.11%
Q1 202510.27%
Q2 202510.62%
Q3 202510.91%
Q4 202510.85%
Q1 202611.00%
Q2 202611.31%
Delinquent loans (60+ days)
0.88%1.18%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.27%
Q3 20241.28%
Q4 20241.22%
Q1 20251.03%
Q2 20251.36%
Q3 20251.47%
Q4 20251.21%
Q1 20261.01%
Q2 20260.88%
Return on assets
0.82%1.21%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.86%
Q4 20240.88%
Q1 20250.94%
Q2 20251.15%
Q3 20251.30%
Q4 20251.23%
Q1 20261.60%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$440.0M11.31%0.88%1.56%60.9%
Q1 202675$437.3M11.00%1.01%1.60%59.7%
Q4 202570$427.2M10.85%1.21%1.23%60.3%
Q3 202568$413.3M10.91%1.47%1.30%61.9%
Q2 202567$408.9M10.62%1.36%1.15%62.4%
Q1 202567$410.7M10.27%1.03%0.94%61.0%
Q4 202465$407.3M10.11%1.22%0.88%58.7%
Q3 202464$401.7M10.01%1.28%0.86%59.8%
Q2 202463$389.2M9.94%1.27%0.82%59.3%

1,341 peers · $100 million – $1 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 ratio11.31%
49th
Problem loans0.88%
37th
Net charge-offs0.86%
14th
Return on assets1.56%
90th
Loans to deposits60.9%
76th
Uninsured deposits11.2%
13th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Avenir Financial Federal Credit UnionCredit union Yuma, AZ72 out of 100, Strong$400.9M12.8%0.39%vs
Aero Federal Credit UnionCredit union Glendale, AZ79 out of 100, Strong$364.4M12.0%0.11%vs
Sunwest Federal Credit UnionCredit union Glendale, AZ67 out of 100, Moderate$525.2M11.0%0.48%vs
Pinal County Federal Credit UnionCredit union Casa Grande, AZ68 out of 100, Moderate$338.8M9.9%0.53%vs
Landings Credit UnionCredit union Tempe, AZ71 out of 100, Strong$263.2M10.7%0.79%vs
Pyramid Federal Credit UnionCredit union Tucson, AZ59 out of 100, Moderate$247.9M10.6%1.51%vs

Deposit insurance

Is my money safe at American Southwest Credit Union?

Yes. American Southwest Credit Union is a federally insured credit union (NCUA charter #68567). 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 11.2% of shares and deposits ($43.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

American Southwest Credit Union lists 7 offices in 7 cities. Most locations:

  • Benson, AZ (1)
  • Douglas, AZ (1)
  • Fort Huachuca, AZ (1)
  • Green Valley, AZ (1)
  • Kearny, AZ (1)
  • Sierra Vista, AZ (1)
  • Thatcher, AZ (1)

All branch addresses and map

Identity & history

Profile

Legal name
American Southwest Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68567
RSSD ID
716084
Primary regulator
State + NCUA
Established
1955
Headquarters
PO Box 370, Sierra Vista, AZ 85636
Employees
87

Quick answers

American Southwest Credit Union: common questions

Is American Southwest Credit Union NCUA insured?

Yes. American Southwest Credit Union is a federally insured credit union (NCUA charter #68567). 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 Southwest Credit Union's TellerScore?

77 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 Southwest Credit Union have?

7 offices as of the latest NCUA data.

Nearby

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