American Airlines Federal Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
American Airlines Federal Credit Union is a federal credit union headquartered in Fort Worth, TX, established in 1979 (NCUA charter 23957), and it is regulated and insured by the NCUA. At Q2 2026 it reported 374,627 members and total assets of $9.50B (up 2.6% from Q2 2025), the 3rd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.68% at Q2 2026, in the well capitalized band (NCUA's well capitalized line is 7%).
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23957
- Headquarters
- Fort Worth, TX
- Established
- 1979
- Total assets, Q2 2026
- $9.50B
- Assets vs Q2 2025
- +2.6%
- Members, Q2 2026
- 374,627
- Net worth ratio, Q2 2026
- 11.68%
- Asset rank in state
- 3rd of 377 in Texas
It has 5,115 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.63 percentage points from 11.05% on June 30, 2025.
Frequently asked about American Airlines Federal Credit Union
How big is American Airlines Federal Credit Union?
It reported approximately $9.50B in total assets and 374,627 members as of Q2 2026.
Is American Airlines Federal Credit Union well capitalized?
Its net worth ratio was 11.68%. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- Fort Worth, TX 76155
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 23957
- RSSD ID
- 49090
- Members
- 374,627
- Potential members
- 936,568
Size & Membership
Profitability
Q2 annualizedROA, ROE and net interest margin are the quarter's own income, annualized. NCUA's Financial Performance Report annualizes the year to date instead, so after the first quarter its figures differ from ours. Where the 5300 for this quarter and the prior year-end is served, the year-to-date value on NCUA's basis is shown beside each as YTD, over the average of this quarter's and the prior year-end balances. NCUA publishes no ROE; ours uses the same year-to-date basis over average net worth.
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.68% | 10.89% | 61st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.00% | 0.89% | 58th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.53% | 8.07% | 54th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.31% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 59.71% | 70.59% | 83rd top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 3.25% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.60% | 0.68% | 59th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.56% | 5.12% | 79th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 66.54% | 88.03% | 13th position only |
Quarterly trends
Last 6 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 6 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from the credit union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.68% | 1.00% | 0.60% | 66.54% |
| March 31, 2026 | 11.49% | 0.82% | 0.52% | 65.83% |
| December 31, 2025 | 11.46% | 1.10% | 0.63% | 67.18% |
| September 30, 2025 | 11.28% | 0.85% | 0.50% | 67.50% |
| June 30, 2025 | 11.05% | 0.60% | 0.53% | 66.95% |
| March 31, 2025 | 10.88% | 0.38% | 0.48% | 66.60% |
Scroll sideways to see every column.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.