American Airlines Federal Credit Union (23957), a $9.2B credit union headquartered in Fort Worth, TX, led by CEO Enda, reported $8.1B in member deposits at the end of 2025 Q3, an increase of $143.2M (+1.8%) compared to the same quarter last year.
The credit union's 67.5% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
At a high level: growth optionality is constrained but liquidity remains adequate.
Deposit Composition
American Airlines Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 46.7% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $3.8B | 46.7% | +2.5% |
| Share Certificates | $2.4B | 29.9% | +3.8% |
| Other Shares | $1.0B | 12.4% | -6.4% |
| Share Drafts | $693.6M | 8.6% | +4.4% |
| IRA/KEOGH | $196.0M | 2.4% | +1.4% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Moderate deposit growth suggests stable member relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $7.9B | $22K | |
| 2024 Q3 | $8.0B | +0.9% | $22K |
| 2024 Q4 | $8.0B | +0.7% | $21K |
| 2025 Q1 | $8.2B | +2.1% | $22K |
| 2025 Q2 | $8.2B | -0.4% | $21K |
| 2025 Q3 | $8.1B | -0.6% | $21K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
American Airlines Federal Credit Union serves 381,912 members, an increase of 3.7% year-over-year. The average member deposit of $21K has declined 1.9% compared to last year.
Member growth outpacing deposit growth may indicate acquisition of lower-balance members or competitive pressure on rates.
Historical Context: Since the 2008 Crisis
American Airlines Federal Credit Union's deposit base has grown 79% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $4.5B in member deposits serving 212,311 members.
Membership has expanded 80% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 79 credit unions in its $4.6B–$13.9B asset peer group, American Airlines Federal Credit Union ranks in the 16th percentile for deposit growth. This suggests room for improvement in member deposit attraction and retention.
Outlook
American Airlines Federal Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
American Airlines Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
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Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.