State credit union · BREA, California · NCUA charter #68485
American First
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.24B
- Total assets
- 49,654
- Members
- 10.3%
- Net-worth ratio
American First scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.24B; members 49,654; net-worth ratio 10.33%; health rank #830 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#830 of 4,374 health · 2025Q4American First · health 92/100 · $1.24B · 2025Q4
Call Report peers
American First in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); American First sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Where American First diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 97.21% vs peer 83.90% (+13.31 pp).
- Net Worth Ratio trails the peer set - 10.33% here, 11.18% peer average (-0.85 pp).
American First in California
- California health ordinal: #52 of 243.
- California assets place: #57 of 243.
- Member book place in California: #69 of 243.
- One place up in California, Coast Central (#51) ties at 92/100; one place down, MIRASTAR (#53) ties at 92/100.
American First Call Report trajectory
American First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.6% from $1.24B (2025Q4) to $1.31B (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.69% → 10.33%).
This credit union's 10.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
American First gives up 8 points in total. Return on Assets costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.2 pts
American First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.33% | -0.85 pp |
| Delinquency Rate | 0.15% | -0.72 pp |
| Return on Assets | 0.16% | -0.35 pp |
| Member Growth | 14.38% | - |
| Loan-to-Share Ratio | 97.21% | +13.31 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - American First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.31B | - |
| 2025Q4 | $1.24B | 49,654 |
| 2024Q4 | $1.00B | 43,410 |
| 2023Q4 | $1.00B | 42,431 |
Credit Union Details
- Charter Number
- 68485
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- BREA
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, American First runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Brea (Main Office) | Brea, CA |
| Buena Park | Buena Park, CA |
| Eastvale | Eastvale, CA |
| Fullerton | Fullerton, CA |
| Orange | Orange, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- American First ranks #830 of 4,374 nationally on financial health and #52 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st United
Frequently Asked Questions
Is American First financially healthy?
American First has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #830 of 4,374 nationally on health and #52 of 243 in California. Its net worth ratio is 10.33% and its delinquency rate 0.15%.
How does American First compare to other credit unions?
American First scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.21% vs 83.90%). Its widest shortfall is net worth ratio (10.33% vs 11.18%).
How can I join American First?
Membership eligibility for American First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact American First directly for current membership requirements and application steps.
Is my money safe at American First?
American First is a state-chartered 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. American First's net worth ratio of 10.33% 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.