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
- BOOK 90/100
- CHARTER 11.6%
- NCUSIF 1.58%
- CAMELS 1.00%
- HEALTH $23.79B
- NW 1,554,689
- DELQ #1,119/4,374
- ROA The Golden 1
- ASSETS 24694
Call Report peers
America First in the assets neighbourhood
America First's $23.79B assets sit next to The Golden 1 ($21.46B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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: 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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How America First's 5300 filing moved
America First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $23.79B (2025Q4) to $24.73B (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.51% → 11.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for America First - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.79B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is America First financially healthy?
America First scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,119 of 4,374; by total assets it ranks #6 of 4,374 nationally (same basis as /rankings/largest); and #1 of 53 within Utah. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.61% 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 90/100, 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 11.61% exceeds 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.
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.