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Overview / Commentary
3090 E Fry Blvd
Sierra Vista, AZ 85635

American Southwest Credit Union is headquartered in Sierra Vista and is the 16st largest credit union in the state of Arizona. It is also the 1,003rd largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 58 employees and 21,191 members. American Southwest Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school, and their immediate family members, and businesses in Cochise or Santa Cruz County as well as any of the following Arizona zip codes: 85602, 85614, 85615, 85622, 85628, 85629, 85641, 85646, 85706, 85707, 85708, 85714, 85730, 85734, 85746, 85747, 85748, or 85757. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Southwest Credit Union had $660,000 in non-current loans and owned real-estate with $16.85 million in equity and loan loss allowances on hand to cover it. This gives American Southwest Credit Union a Texas Ratio of 3.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Southwest Credit Union experienced no significant changes from 3.98% as of March 31, 2013 to 3.92% as of March 31, 2014, resulting in a positive change of 1.54%.This indicates that the balance sheet and financial strength for American Southwest Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, American Southwest Credit Union has increased its total deposits by $9.93 million, resulting in 6.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Southwest Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Southwest Credit Union has $182.81 million in assets with $16.85 million in equity, resulting in a capitalization level of 9.22%, which is average.

Institution Statistics

NCUA #68567
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$182.81 million
Loans$103.90 million
Deposits$165.88 million
Equity Capital$16.25 million
Loan Loss Allowance$599,000
Unbacked Noncurrent Loans$372,000
Real Estate Owned$288,000
Historic Data - March 2013
Assets$171.84 million
Equity Capital$15.24 million
Loan Loss Allowance$676,000
Unbacked Noncurrent Loans$372,000
Real Estate Owned$217,000
Profit Margin - Quarterly
Net Interest Margin1.17%
Return on Assets0.71%
Return on Equity8.02%
Interest Income$1.51 million
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American Southwest Credit Union Savings Account Rates

0.35%$50-Regular IRA Shares
0.08%$50-Regular Shares

American Southwest Credit Union Money Market Rates

0.36%$100k-Flex Money Market

American Southwest Credit Union CD Rates

1.87%$10k-60 Month Share CD
1.44%$10k-48 Month Share CD
1.23%$10k-36 Month Share CD
1.10%$10k-30 Month Share CD
0.97%$10k-24 Month Share CD
0.75%$10k-18 Month Share CD
0.56%$10k-12 Month Share CD
0.35%$10k-06 Month Share CD

American Southwest Credit Union IRA Rates

1.87%$10k-60 Month IRA
1.44%$10k-48 Month IRA
1.23%$10k-36 Month IRA
1.10%$10k-30 Month IRA
0.97%$10k-24 Month IRA
0.75%$10k-18 Month IRA
0.56%$10k-12 Month IRA
0.35%$10k-06 Month IRA

American Southwest Credit Union Locations
Branch Office3090 E Fry BlvdSierra Vista, AZ 85635
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