# AMERICAN SOUTHWEST
Sierra Vista, AZ · NCUA charter 68567 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/american-southwest-68567

Who the members are: state charter, organized 1955, low-income designated. 33,574 members of 40,000 potential (83.9% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $437.3M |
| Members | 33,574 (-0.2% YoY) |
| Full-time staff | 70 |
| Net worth | $48.1M |
| Net worth ratio | 11.0% (p47 of band) |
| ROA (annualized) | 1.60% (p93 of band) |
| Total delinquency | 1.01% (p80 of band) |
| Net charge-offs (annualized) | 0.91% (p86 of band) |
| Loans / shares | 60% (p20 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p80 of band) |
| Operating expense / assets | 2.80% (p18 of band) |
| Vehicles % of loans | 24% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 69% (p47 of band) |
| Vehicle delinquency | 2.46% (p97 of band) |
| Vehicle NCO | 1.92% (p89 of band) |
| Repossessed % of vehicle book | 0.39% (p93 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 123% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 21% |
| Average share balance | $6,532 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $36.5M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,581 |
| Loans granted, annualized | $63.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $36.5M outstanding purchased (75.9% of net worth), $3.4M sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 2 | thin capital |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 | net worth falling | delinquency rising |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | thin capital |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | 3rd-party paper>100% NW |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | thin capital, net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | delinquency rising | thin capital |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 2 | repo signal | delinquency 2x band |
| 2023-12 | 3 | delinquency 2x band |  |
| 2024-03 | 4 | 3rd-party paper>100% NW |  |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising | repo signal |
| 2024-12 | 2 | repo signal | delinquency 2x band, delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 | delinquency 2x band | 3rd-party paper>100% NW, repo signal |
| 2025-09 | 2 | repo signal |  |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 0 |  | repo signal |

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

- 2026-05-15 [American Southwest Credit Union Celebrates Ribbon Cutting at New Thatcher Branch - The Gila Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTVNsa2ZTZEdwTkJ3dmxDbDVURk9FdW5KbXpWX003ckhYMW9uY3ZyY20yaUEwWDV5VnlzU3NIeVlqZm9oWFdwNGllVEh3cUhBVnhlZk1uWFNwY1JZcFhmZWNaX1l1U2U4ZVdUejk1SFNxUjFPRXZpSGpMd3NHNHNpb2NBUGxNWl9GQTVsMVZNTWpQbUNGRm9zYmE4WmdHOFRPZkRqbGd0aw?oc=5) · The Gila Herald
- 2024-04-19 [Arizona Copper Federal Credit Union and American Southwest Credit Union announce merger, expansion - GilaValleyCentral](https://news.google.com/rss/articles/CBMixwFBVV95cUxQSWxqYWdzQWNDM1FMLWhKOFJpS1JZWXFMc0YtckdfSUp1SEhrMFk3RFhHdWpRMXgtLVNVY0s4TDFqSlpwVkR4ejQxMjY1emFIMlFaZnNBaHZnVmhXSDFoMEpHbTZVZ2NEWHBURjVpZlVTM013Y1poSS1DTHNxRDIzNEQ5NUFNNFBaSm5WNDFoYkxnaWVyQVFoV3IyMEI3d1FrdEpfc2dVTW9URWdlU0M3a2JKTGw2ZGE2SGVKVlVhT1hzLUphX0FV?oc=5) · GilaValleyCentral
- 2024-08-28 [Best Credit Unions to Work For with $200M to $500M of assets in 2024 - americanbanker.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbEtld0dKUUJzT0ZJbmV0MmRVVVNzTFAweHZiUXhkTnctWmtmNU8tUHJwSnFSNWp3MGZUdXNRV1ZzLWI4SDZIbmEtOFU3ZkNjUi16UUtRSy10ODQ1QkszYzAwTHZlNFRQQVV1ZkdRdnhIVHpoaUdWUTZFdUd6Sm1aM1U5NERkZ3Y2b1lwLVpWOXBJZ1NudVpSbWZubVl3RVEzZTNkaXJtZlN0UjZxZUhZTDlhY19Ydw?oc=5) · americanbanker.com
- 2018-01-26 [Building 41331 turns 100 years old, Credit Union hosts celebration - army.mil](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUjNGUS1SbnJCd0tBU2xBSEpvTFJidS1iOWxDUkhvMkdlX29GSWlmNnA0S0JLRmdYV0ZGT0hLczE1dFhRbjdPWjFMWjNqbHVZRmF2ZWpWSE5uTUVIbW1lVWRCbjZNdUZzUFI1dmlCMU01S2ktT3NuRFBKbFBwbm5IUHhGMDFjVTcwNGZBN1poNHc5LTNpbkRYWjZXMlNaVmhkSjEw0gGoAUFVX3lxTE5LZG9KSE4tdzYxMVUzdkVEYlVCdU53NXJEbWZYcFhTaU1tSEJLZnR0b21sNWJaeDlYbjNkU1NZOFRVUWg4RWNCU0dDVGt4UVlXaWhfT0gyS3o2WVQ4UEFPbElicjhiOVpCSC00ZE5iejE1TXVXXzNsXzc0MDJSak1Ka2hQa1ZyOTh1QU5RZEk4aDV3dnhsMkdmd2N3OUFsMHZJakdqV2Rndw?oc=5) · army.mil
- 2025-05-16 [American Southwest Credit Union breaks ground on Thatcher Commercial Plaza anchor store - The Gila Herald](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdGlnME1ObjBCOW40dHZEaE5SbDVIbkhQQjZvalZKd0xSSlFHUzRucjNyRDlPS3IxazRiaERkRXBfYWhpUW9PcU9Ed0pGeEdZb1VoY04xVWN6QVBXUzFHWVRFa0hzVUoyRXlqQ094TDJZc0k5TVBmVGxnaGxNOWZDMjJVb01mXzhiNVd3bE9JdV9fTkRsYm5kSWpLa3E1VkFQNHYzTElURFB4VjlSdHY0?oc=5) · The Gila Herald
- 2022-08-30 [Best Credit Unions to Work For 2022 - americanbanker.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcm9zTEJkQ0FYOHVjRENIMDBVQ241cnE3MG9Ha0Z2NDFyVXRQRDZPd0t5RUk1aENLTWNzTHBtY3R0dTdhRUw0UTROU2ZDcU5sa0NrTHdzUzZhSW1zRlpnQlAtdGhZalctYlktZTFrRlUyZXFsLUFQTVNpWDlucFlJZDBsdUx0UkVKcXBJLQ?oc=5) · americanbanker.com
- 2025-05-24 [Small school, big rewards: Ray Seniors earn over $250,000 - Copper Area News Publishers](https://news.google.com/rss/articles/CBMigwFBVV95cUxPbzEyc1RhNEZSdUFnWXh5N2ZJcUxXNFBjVnJVQ1RPRG5mT0xhaG04NFFGRGdETkxOcEUxcm1OZHRydmxBNXg2V1cyNDczVkpYN2RtazRmXzN6VFZQZ245Y1J2aXliSl9BVzlPX1BqLXQzU1RkQ3dXYUVBS1hzZnpqQ3ZUQQ?oc=5) · Copper Area News Publishers
- 2024-09-16 [Harlan Bradford Obituary (1930 - 2024) - Sierra Vista, AZ - Herald Review Media - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZDducS00QV9oTkh3Y2h6cjJTSWZHc2xEYnktbmJwYkd2cktORWUxLTMtSkdYb0l0bThNdm5kT2FPNXhpZjJWYkNjNllWcHRaMklzSjlDVDJoYjJhcnEzaWU3TTVpZC1hem5xUWhCRDItWV9uMXl6U29TRjVFNHdsWnNQSmg0RTA2OVhkc00zQ1FVbkhEYmE0VA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68567 (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/23.json (key "68567", 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=68567
- 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