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
- CHARTER 63/100
- NCUSIF 11.0%
- CAMELS 1.06%
- HEALTH -0.48%
- NW $381.4M
- DELQ 21,356
- ROA #3,951/4,374
- ASSETS Signal Financial
- MEM 8187
Call Report peers
American United in the assets neighbourhood
American United's $381.4M assets sit next to Signal Financial ($381.3M) 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 United 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8187. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for American United
American United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $381.4M (2025Q4) to $394.2M (2026Q1).
- Net-worth ratio shifted -0.31 pp (11.33% → 11.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
American United's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($381.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
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
- 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 American United financially healthy?
American United has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,951 of 4,374; by total assets it ranks #895 of 4,374 nationally (same basis as /rankings/largest); and #13 of 53 within Utah. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.02% and delinquency rate of 1.06%.
How does American United compare to other credit unions?
PlainCU's health composite puts American United at 63/100, compared to a peer group average for $100M–$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 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?
Federal credit unions like American United 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 United's net worth ratio of 11.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American United offer compared to banks?
Credit unions like American United 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 United 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.