Federal credit union · RIVERDALE, Utah · NCUA charter #24694
America First
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $23.79B
- Total assets
- 1,554,689
- Members
- 11.6%
- Net-worth ratio
America First scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.79B; members 1,554,689; net-worth ratio 11.61%; health rank #1,119 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,119 of 4,374 health · 2025Q4America First · health 90/100 · $23.79B · 2025Q4
Call Report peers
America First in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
America First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); America First sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
America First: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.00% here, 0.51% peer average (+0.50 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.74 pp (80.16% vs 83.90%).
America First: in-state Call Report ranks
- Utah health ordinal: #18 of 53.
- Utah assets place: #1 of 53.
- Utah membership ordinal: #1 of 53.
- One place up in Utah, Education 1st (#17) scores 91/100, 1 point higher; one place down, NEBO (#19) scores 89/100, 1 point lower.
How America First's 5300 filing moved
America First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $23.79B (2025Q4) to $24.73B (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.51% → 11.61%).
11.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
America First gives up 10 points in total. Delinquency Rate costs the most, 9.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for America First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.61% | +0.43 pp |
| Delinquency Rate | 1.58% | +0.71 pp |
| Return on Assets | 1.00% | +0.50 pp |
| Member Growth | 4.41% | - |
| Loan-to-Share Ratio | 80.16% | -3.74 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
America First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.73B | - |
| 2025Q4 | $23.79B | 1,554,689 |
| 2024Q4 | $21.74B | 1,489,089 |
| 2023Q4 | $19.35B | 1,373,590 |
Credit Union Details
- Charter Number
- 24694
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Utah
- City
- RIVERDALE
- Data Quarter
- 2025Q4
Branch Locations (124)
The NCUA branch filing lists 124 physical offices for America First, spread across 73 cities in 6 states.
| Office | City |
|---|---|
| Building 3 - Management Center (Main Office) | Riverdale, UT |
| Albuquerque | Albuquerque, NM |
| American Fork | American Fork, UT |
| Boise Office | Boise, ID |
| Bountiful | Bountiful, UT |
| Bountiful Dick's Market | Bountiful, UT |
| Brigham City | Brigham City, UT |
| Brigham City Kent's | Brigham City, UT |
| Caliente | Caliente, NV |
| Carson City | Carson City, NV |
| Cedar City Lin's | Cedar City, UT |
| Centerville | Centerville, UT |
| Clearfield 1700 South | Clearfield, UT |
| Clearfield Main Street | Clearfield, UT |
| Clinton | Clinton, UT |
| Draper | Draper, UT |
| Draper 13800 South | Draper, UT |
| Eagle Mountain | Eagle Mountain, UT |
| Farmington Harmons | Farmington, UT |
| Goodyear | Goodyear, AZ |
| Heber | Heber City, UT |
| Henderson | Henderson, NV |
| Horizon | Henderson, NV |
| Herriman | Herriman, UT |
| HAFB Community Center | Hill Air Force Base, UT |
| HAFB East Area | Hill Air Force Base, UT |
| HAFB West Area | Hill Air Force Base, UT |
| Hurricane Walmart | Hurricane, UT |
| Hyrum Ridley's | Hyrum, UT |
| Kaysville Bowman's | Kaysville, UT |
| Kaysville | Kaysville, UT |
| Kearns | Kearns, UT |
| Kearns Harmons | Kearns, UT |
| Las Vegas Tenaya | Las Vegas, NV |
| Las Vegas Montecito Smith's | Las Vegas, NV |
| Las Vegas Renaissance | Las Vegas, NV |
| Las Vegas Durango | Las Vegas, NV |
| Las Vegas Downtown Summerlin | Las Vegas, NV |
| Las Vegas Rainbow | Las Vegas, NV |
| Las Vegas UNLV | Las Vegas, NV |
| Las Vegas Silverado | Las Vegas, NV |
| Layton Fort Lane | Layton, UT |
| Layton Heritage | Layton, UT |
| Lehi | Lehi, UT |
| Logan | Logan, UT |
| Mesa Gateway | Mesa, AZ |
| Mesa Baseline | Mesa, AZ |
| Mesquite | Mesquite, NV |
| Mesquite Walmart | Mesquite, NV |
| Sandy Harmons | Midvale, UT |
| Holladay Millcreek | Millcreek, UT |
| Murray Macey's | Murray, UT |
| Nephi Nebo Market | Nephi, UT |
| Las Vegas Shadow Creek Smith's | North Las Vegas, NV |
| Las Vegas Craig Road | North Las Vegas, NV |
| North Ogden | North Ogden, UT |
| North Ogden Lee's Market | North Ogden, UT |
| North Salt Lake Lee's | North Salt Lake, UT |
| Harrisville | Ogden, UT |
| Ogden Harrison | Ogden, UT |
| Ogden Main | Ogden, UT |
| Marriott/Slaterville 12th Street | Ogden, UT |
| Ogden 20th Street | Ogden, UT |
| Orem | Orem, UT |
| Orem Harmons | Orem, UT |
| Overton | Overton, NV |
| Page | Page, AZ |
| The Market at Park City | Park City, UT |
| Payson | Payson, UT |
| Plain City | Plain City, UT |
| Plain City Kent's | Plain City, UT |
| Pleasant Grove Macey's | Pleasant Grove, UT |
| Providence Macey's | Providence, UT |
| Provo | Provo, UT |
| Queen Creek | Queen Creek, AZ |
| Rexburg | Rexburg, ID |
| Building 2 - Commercial Center | Riverdale, UT |
| Building 4 - Data Center | Riverdale, UT |
| Building 1 - Operations Center | Riverdale, UT |
| Building W | Riverdale, UT |
| Riverton | Riverton, UT |
| Building 5 - Service Center | Roy, UT |
| Roy | Roy, UT |
| Roy Harmons | Roy, UT |
| Roy Kent's Marketplace | Roy, UT |
| Building 7 | Roy, UT |
| Cottonwood | Salt Lake City, UT |
| City Creek | Salt Lake City, UT |
| Salt Lake Pioneer Road | Salt Lake City, UT |
| Salt Lake Brickyard Plaza | Salt Lake City, UT |
| Salt Lake Foothill Dan's | Salt Lake City, UT |
| Salt Lake Hope Ave Walmart | Salt Lake City, UT |
| Salt Lake Metro | Salt Lake City, UT |
| San Bernardino | San Bernardino, CA |
| Sandy Training Center | Sandy, UT |
| Sandy | Sandy, UT |
| Sandy 2100 East | Sandy, UT |
| Santa Clara Harmons | Santa Clara, UT |
| Santaquin | Santaquin, UT |
| Saratoga Springs | Saratoga Springs, UT |
| Smithfield Lee's Market | Smithfield, UT |
| South Jordan | South Jordan, UT |
| South Jordan 10400 South | South Jordan, UT |
| South Salt Lake | South Salt Lake, UT |
| Spanish Fork Canyon Creek | Spanish Fork, UT |
| Sparks | Sparks, NV |
| Springville Walmart | Springville, UT |
| St. George | St George, UT |
| St. George Harmons | St George, UT |
| St. George Red Cliffs | St George, UT |
| Washington Fields Lin's | St George, UT |
| Desert Color Branch | St George, UT |
| St. Johns | St Johns, AZ |
| Taylorsville | Taylorsville, UT |
| Taylorsville Walmart | Taylorsville, UT |
| Tempe | Tempe, AZ |
| Tooele Macey's | Tooele, UT |
| Vineyard | Vineyard, UT |
| West Jordan | West Jordan, UT |
| West Jordan Smith's | West Jordan, UT |
| West Point Smith's | West Point, UT |
| West Valley 5000 West | West Valley, UT |
| West Valley 4100 | West Valley, UT |
| West Valley 3500 | West Valley City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for America First
Using this data
- America First ranks #1,119 of 4,374 nationally on financial health and #18 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mountain America is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mountain America
Frequently Asked Questions
Is America First financially healthy?
On its 2025Q4 NCUA 5300 filing, America First scores 90/100 (Excellent), with a 11.61% net worth ratio and 1.58% of loans delinquent. It ranks #1,119 of 4,374 nationally on health and #18 of 53 in Utah.
How does America First compare to other credit unions?
America First scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (1.00% vs 0.51%). Its widest shortfall is loan-to-share ratio (80.16% vs 83.90%).
How can I join America First?
America First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact America First directly for the exact boundaries and application steps.
Is my money safe at America First?
America First is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. America First's net worth ratio of 11.61% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.