State credit union · East Hartford, Connecticut · NCUA charter #68680
America's First Network
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $102.7M
- Total assets
- 9,504
- Members
- 3.1%
- Net-worth ratio
America's First Network - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68680. See our deposit-insurance coverage note.
America's First Network - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)26
- Asset quality (delinquency)78
- Earnings (ROA)76
- Member growth100
- Liquidity (loan-to-share)97
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
3.08% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.08% | 30% |
| Delinquency Rate | 1.07% | 25% |
| Return on Assets | 0.26% | 15% |
| Member Growth | 14.33% | 15% |
| Loan-to-Share Ratio | 68.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $102.7M | 9,504 |
| 2024Q4 | $87.8M | 8,313 |
| 2023Q4 | $74.6M | 6,892 |
Credit Union Details
- Charter Number
- 68680
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- East Hartford
- Data Quarter
- 2025Q4
What This Data Says About America's First Network
Headquartered in East Hartford, Connecticut, America's First Network is a state credit union with 9,504 members, $102.7M in total assets, and $61.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 68/100 (Good), driven in part by a net worth ratio of 3.08% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68680 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.07% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 68.21% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.26% on net income of $268K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 14.33%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is America's First Network financially healthy?
America's First Network scores 68/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 3.08% net worth ratio and a 1.07% delinquency rate.
How does America's First Network compare to other credit unions?
Five weighted metrics from NCUA filings produce America's First Network's 68/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 America's First Network?
Membership eligibility for America's First Network depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact America's First Network directly for current membership requirements and application steps.
Is my money safe at America's First Network?
Federal credit unions like America's First Network 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 Network's net worth ratio of 3.08% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does America's First Network offer compared to banks?
Credit unions like America's First Network 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 Network directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.