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
- ROA 92/100
- ASSETS 10.3%
- MEM 0.15%
- RANK 0.16%
- PHOTO $1.24B
- BOOK 49,654
- CHARTER #830/4,374
- NCUSIF Efcu Financial
- CAMELS 68485
Call Report peers
American First in the assets neighbourhood
American First's $1.24B assets sit next to Efcu Financial ($1.24B) 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.
American 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
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
American First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68485 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
American First in California
- California health ordinal: #52 of 243.
- California assets place: #57 of 243.
- Member book place in California: #69 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
American First Call Report trajectory
American First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.6% from $1.24B (2025Q4) to $1.31B (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.69% → 10.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Two NCUA Call Report peer sets for American First, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.24B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 American First financially healthy?
American First scores 92/100 (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 #830 of 4,374; by total assets it ranks #391 of 4,374 nationally (same basis as /rankings/largest); and #57 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.33% net worth ratio and a 0.15% delinquency rate.
How does American First compare to other credit unions?
Five weighted metrics from NCUA filings produce American First's 92/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like American 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. American First's net worth ratio of 10.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American First offer compared to banks?
Credit unions like American 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 American 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.