Federal credit union · RIVERDALE, Utah · NCUA charter #24694
America First
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $23.79B
- Total assets
- 1,554,689
- Members
- 0.0%
- Net-worth ratio
America First - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24694. See our deposit-insurance coverage note.
America First - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)0
- Asset quality (delinquency)62
- Earnings (ROA)100
- Member growth95
- Liquidity (loan-to-share)100
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.00% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.00% | 30% |
| Delinquency Rate | 1.58% | 25% |
| Return on Assets | 1.00% | 15% |
| Member Growth | 4.41% | 15% |
| Loan-to-Share Ratio | 80.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About America First
Charter #24694, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's America First, a federal credit union in RIVERDALE, Utah with 1,554,689 members, $23.79B in total assets, and $16.65B in outstanding loans as of Q4 2025. The five-factor composite scores it 60/100 (Good), helped by a net worth ratio of 0.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.58% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 80.16% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.00% on net income of $238.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.41%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other/Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is America First financially healthy?
America First scores 60/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 0.00% net worth ratio and a 1.58% delinquency rate.
How does America First compare to other credit unions?
PlainCU's health composite puts America First at 60/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like America First are 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 0.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does America First offer compared to banks?
Credit unions like America First are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact America First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.