Federal credit union · West Jordan, Utah · NCUA charter #8187
American United
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $381.4M
- Total assets
- 21,356
- Members
- 11.0%
- Net-worth ratio
American United scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $381.4M; members 21,356; net-worth ratio 11.02%; health rank #3,951 of 4,374; healthier than 9th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,951 of 4,374 health · 2025Q4American United · health 63/100 · $381.4M · 2025Q4
Call Report peers
American United in the assets neighbourhood
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American United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); American United sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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 United vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 93.79% vs peer 72.20% (+21.59 pp).
- Return on Assets trails the peer set - -0.48% here, 0.62% peer average (-1.11 pp).
Where American United sits in Utah
- Health composite ranks #51 of 53 among scored Utah credit unions.
- By total assets, American United is #13 of 53 in Utah.
- Membership ranks #13 of 53 among Utah CUs with a reported count (21,356 members).
- One place up in Utah, Hollyfrontier Employee's (#50) scores 65/100, 2 points higher; one place down, Pacific Horizon (#52) scores 58/100, 5 points lower.
Quarter path for American United
American United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $381.4M (2025Q4) to $394.2M (2026Q1).
- Net-worth ratio shifted -0.31 pp (11.33% → 11.02%).
At 11.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
American United gives up 37 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 0.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.2 pts
Call Report ratios for American United
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.02% | -1.09 pp |
| Delinquency Rate | 1.06% | +0.16 pp |
| Return on Assets | -0.48% | -1.11 pp |
| Member Growth | -5.68% | - |
| Loan-to-Share Ratio | 93.79% | +21.59 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $394.2M | - |
| 2025Q4 | $381.4M | 21,356 |
| 2024Q4 | $373.9M | 22,643 |
| 2023Q4 | $389.1M | 25,956 |
Credit Union Details
- Charter Number
- 8187
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Utah
- City
- West Jordan
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, American United runs 11 offices in 10 different cities across 2 states.
| Office | City |
|---|---|
| West Jordan (Main Office) | West Jordan, UT |
| 1st Californian | Cabazon, CA |
| 1st Californian - Twenty-Nine Palms | Coachella, CA |
| Grantsville | Grantsville, UT |
| VAMCU | Salt Lake City, UT |
| 8th South | Salt Lake City, UT |
| 1st Californian - Soboba | San Jacinto, CA |
| Sandy | Sandy, UT |
| Main Street | South Salt Lake, UT |
| Sunnyside | Sunnyside, UT |
| West Valley | West Valley City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
American United nationwide neighbourhoods
Using this data
- American United ranks #3,951 of 4,374 nationally on financial health and #51 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALPINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALPINE
Frequently Asked Questions
Is American United financially healthy?
American United has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,951 of 4,374 nationally on health and #51 of 53 in Utah. Its net worth ratio is 11.02% and its delinquency rate 1.06%.
How does American United compare to other credit unions?
American United scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.79% vs 72.20%). Its widest shortfall is return on assets (-0.48% vs 0.62%).
How can I join American United?
American United 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 American United directly for the exact boundaries and application steps.
Is my money safe at American United?
American United 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. American United's net worth ratio of 11.02% 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.