Federal credit union · Birmingham, Alabama · NCUA charter #24534
America's First
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $2.69B
- Total assets
- 194,683
- Members
- 12.0%
- Net-worth ratio
America's First scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.69B; members 194,683; net-worth ratio 12.01%; health rank #1,268 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,268 of 4,374 health · 2025Q4America's First · health 89/100 · $2.69B · 2025Q4
- MEM 89/100
- RANK 12.0%
- PHOTO 0.94%
- BOOK 1.01%
- CHARTER $2.69B
- NCUSIF 194,683
- CAMELS #1,268/4,374
- HEALTH TTCU
- NW 24534
Call Report peers
America's First in the assets neighbourhood
America's First's $2.69B assets sit next to TTCU ($2.69B) 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's 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
89 Top 31% higher than 69% 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's First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24534 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
America's First vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 92.91% here, 83.90% peer average (+9.01 pp).
- Delinquency Rate trails the peer set - 0.94% here, 0.87% peer average (+0.06 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where America's First sits in Alabama
- Health composite ranks #24 of 89 among scored Alabama credit unions.
- Assets rank #4 of 89 inside Alabama ($2.69B reported).
- Member book place in Alabama: #3 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
America's First: 2025Q4 → 2026Q1
America's First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $2.69B (2025Q4) to $2.74B (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.05% → 12.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 13.7 pts
America's First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.01% | +0.83 pp |
| Delinquency Rate | 0.94% | +0.06 pp |
| Return on Assets | 1.01% | +0.50 pp |
| Member Growth | 0.54% | - |
| Loan-to-Share Ratio | 92.91% | +9.01 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's First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.74B | - |
| 2025Q4 | $2.69B | 194,683 |
| 2024Q4 | $2.52B | 193,631 |
| 2023Q4 | $2.42B | 202,562 |
Credit Union Details
- Charter Number
- 24534
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (22)
The NCUA branch filing lists 22 physical offices for America's First, spread across 16 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Birmingham, AL |
| Bessemer Branch | Bessemer, AL |
| Ensley Branch | Birmingham, AL |
| Forestdale Branch | Birmingham, AL |
| Lakeshore Branch | Birmingham, AL |
| Roebuck Branch | Birmingham, AL |
| Trussville Branch | Birmingham, AL |
| Calera Branch | Calera, AL |
| Cullman Branch | Cullman, AL |
| Gardendale Branch | Gardendale, AL |
| Inverness Branch | Hoover, AL |
| Hoover Branch | Hoover, AL |
| Hueytown Branch | Hueytown, AL |
| Jacksonville Campus Branch | JACKSONVILLE, AL |
| Leeds Branch | Leeds, AL |
| McCalla Branch | MC Calla, AL |
| Mobile Branch | Mobile, AL |
| Anniston/Oxford Branch | Oxford, AL |
| Pelham Branch | Pelham, AL |
| Pell City Branch | Pell City, AL |
| Talladega Branch | Talladega, AL |
| Vestavia Branch | Vestavia Hills, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Cross-state Call Report peers for America's First
Cross-state asset and health neighbours for America's First - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.69B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- America's First ranks #1,268 of 4,374 nationally on financial health and #24 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAX
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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's First financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, America's First carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,268 of 4,374; by total assets it ranks #186 of 4,374 nationally (same basis as /rankings/largest); and #4 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.01% net worth ratio and a 0.94% delinquency rate.
How does America's First compare to other credit unions?
On PlainCU's health composite, America's First lands at 89/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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's First?
America's 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's First directly for the exact boundaries and application steps.
Is my money safe at America's First?
Federal credit unions like America's 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's First's net worth ratio of 12.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does America's First offer compared to banks?
Credit unions like America's 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's 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.