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
Call Report peers
America's First in the assets neighbourhood
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America's First vs every NCUA-scored credit union
America's First sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Alabama, Five Star (#23) ties at 89/100; one place down, Mutual Savings (#25) ties at 89/100.
America's First: 2025Q4 → 2026Q1
America's First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $2.69B (2025Q4) to $2.74B (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.05% → 12.01%).
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
America's First gives up 11 points in total. Member Growth costs the most, 5.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is America's First financially healthy?
On its 2025Q4 NCUA 5300 filing, America's First scores 89/100 (Excellent), with a 12.01% net worth ratio and 0.94% of loans delinquent. It ranks #1,268 of 4,374 nationally on health and #24 of 89 in Alabama.
How does America's First compare to other credit unions?
America's First scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.91% vs 83.90%). Its widest shortfall is delinquency rate (0.94% vs 0.87%).
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?
America's First 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. America's First's net worth ratio of 12.01% 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.