# AMERICAN AIRLINES
Fort Worth, TX · NCUA charter 23957 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/american-airlines-23957

Who the members are: federal charter, service (single sponsor), organized 1982. 388,005 members of 970,013 potential (40.0% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.45B |
| Members | 388,005 (2.9% YoY) |
| Full-time staff | 737 |
| Net worth | $1.09B |
| Net worth ratio | 11.5% (p65 of band) |
| ROA (annualized) | 0.82% (p60 of band) |
| Total delinquency | 0.52% (p40 of band) |
| Net charge-offs (annualized) | 0.51% (p50 of band) |
| Loans / shares | 66% (p12 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.28% (p5 of band) |
| Operating expense / assets | 1.66% (p3 of band) |
| Vehicles % of loans | 17% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 62% (p28 of band) |
| Vehicle delinquency | 0.48% (p38 of band) |
| Vehicle NCO | 0.65% (p27 of band) |
| Repossessed % of vehicle book | 0.06% (p47 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 30% |
| Average share balance | $12,307 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $519.7M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $27,815 |
| Loans granted, annualized | $1.05B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $519.7M outstanding purchased (47.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | net worth falling |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | thin capital, net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | thin capital |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | 3rd-party paper>100% NW |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
- 2025-12-18 [Student pilots sue American Airlines for $36 million over racial discrimination - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMib0FVX3lxTE1BM1dYWGRrQk9QSGVXYWtTc0lkQ1VnX0F5WHg0b05sUzdVZjZUbnM1Q3UwUThvd1c4dmVXakM4LUNObzFzR2ZfVVNUN2x1ck1BLTJnaGE1cmEzVTNEUDBzMkV4blYyRjI1aHRKdjRQTQ?oc=5) · Fort Worth Star-Telegram
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- 2026-05-07 [Matthew Griffin Obituary - North Richland Hills, TX - Neptune Society](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSmpQTDNCVklfU2tneWxORndjbW5wZk9UTjBsVlQ1b1p2bW5HaXdCaHVVNnR2SWlFZDJWRlcxMFY5Q1VMREg4S2p4amJfSVd4bWlQUk1UdnVWLU1kVE9kLWxPWm5WVTZoV1pNbnhIbFRzdDhCM0hpN1BNbERZcW92VVAtbkZ3dmNTVk5fTGEzaw?oc=5) · Neptune Society
- 2025-11-26 [James Lanzerio Obituary - Arlington, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYUpKRlVXSkZUWkM3UmNMaUNKT1JPZUttOVlPeVZ0Vm1scEFydGlFcE81cE1vTmFqbFhONE53ai1MVGRPTnJPYUpfUXpDaXlGQmNIOXVyVmZBNXpWTzFZTDBkZzc3TkgzRUw5U0NxWGNrYkpidEVvUnNJN3JmaWxsU1pLOXdUdw?oc=5) · Dignity Memorial
- 2020-05-07 [Former American Airlines headquarters sells - The Business Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOMWNFcGdvbmZlNUJkMDBfT1RnQTlPaExkNVZUczFfS2RvdlB6V3FhTWsxQ1kweUpDdWJsWjhXbFl0U2k4YldVV2tpbGI5ZjJ2UkEyZHJyRjJxN2FmME53QjlNYnZmUWNVZm8yMFZHa2NobUZQYk9DYzlBU1BmODhnak5Vc0RnajJOa0xn?oc=5) · The Business Press
- 2018-07-04 [Forbes: Local bank, credit union tops in state - Amarillo Globe-News](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeDlLejlLVmJocHNrc0xLb1lSdlZKb1pCRWw1ZHQ4RzNkRWtfY2E3RFVnbzc2akNTeVRhUDRkNEN2Q21pSTQ0bE05amdLV0J5RGtEVEpMOTFHNVFxMk4tTTktcXJVOVYzblFjM09LbzVQMVVKTkw5bmM0b0IxWTZGWGlnQzY2QzRramtUS3ltVWlWX1RVb1VwYnIzUUhiVXNUZXc4ekozNA?oc=5) · Amarillo Globe-News
- 2024-01-11 [CUREN Marking Its 25th Anniversary in 2024 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxQY0lWSGI5WC0xRnVVNmhSYUdyWEJ1bGVZZEFJS2tFQVRKNGI1SWFkVDJSaTV3NUlKY3FKWlNLZFdQNjFUYWVLZzI4T1RSVUdJY014Q0MyTjYyeHNmTTNIQ0NvMTRxX290X1RiS2UwNGtmZ3JsWGl3NzdHS2V2OGw5Umk1Z1dEUQ?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23957 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "23957", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23957
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide