State credit union · Casa Grande, Arizona · NCUA charter #64412
First American
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $112.7M
- Total assets
- 11,925
- Members
- 13.3%
- Net-worth ratio
First American scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $112.7M; members 11,925; net-worth ratio 13.31%; health rank #2,263 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,263 of 4,374 health · 2025Q4First American · health 83/100 · $112.7M · 2025Q4
- RANK 83/100
- PHOTO 13.3%
- BOOK 0.43%
- CHARTER 1.64%
- NCUSIF $112.7M
- CAMELS 11,925
- HEALTH #2,263/4,374
- NW RIVERVIEW
- DELQ 64412
First American in the assets neighbourhood
First American's $112.7M assets sit next to RIVERVIEW ($112.8M) 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.
First American 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
83 46th percentile higher than 46% 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
First American - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64412: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
First American vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 13.31% vs peer 12.11% (+1.20 pp).
- Loan-to-Share Ratio trails the peer set - 59.60% here, 72.20% peer average (-12.60 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona standing for First American
- In Arizona, health place is #20 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #21 of 33 inside Arizona ($112.7M reported).
- Membership ranks #20 of 33 among Arizona CUs with a reported count (11,925 members).
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First American Call Report trajectory
First American: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $112.7M (2025Q4) to $111.8M (2026Q1).
- Net-worth ratio shifted +0.33 pp (12.98% → 13.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
First American health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.31% | +1.20 pp |
| Delinquency Rate | 0.43% | -0.46 pp |
| Return on Assets | 1.64% | +1.01 pp |
| Member Growth | -12.57% | - |
| Loan-to-Share Ratio | 59.60% | -12.60 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).
First American filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $111.8M | - |
| 2025Q4 | $112.7M | 11,925 |
| 2024Q4 | $113.6M | 13,640 |
| 2023Q4 | $117.5M | 13,531 |
Credit Union Details
- Charter Number
- 64412
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Arizona
- City
- Casa Grande
- Data Quarter
- 2025Q4
Branch Locations (3)
First American operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pinal Branch/Corporate (Main Office) | Casa Grande, AZ |
| Sells Branch | Sells, AZ |
| Tse Bonito | Tse Bonito, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
Other-state peers near First American
Cross-state asset and health neighbours for First American - kept outside Arizona; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($112.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- First American ranks #2,263 of 4,374 nationally on financial health and #20 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COCONINO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COCONINO
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona 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 First American financially healthy?
A 13.31% net worth ratio and a 0.43% delinquency rate feed into First American's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,263 of 4,374; by total assets it ranks #1,729 of 4,374 nationally (same basis as /rankings/largest); and #21 of 33 within Arizona. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First American compare to other credit unions?
83/100 is First American's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 First American?
Membership eligibility for First American depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First American directly for current membership requirements and application steps.
Is my money safe at First American?
Federal credit unions like First American 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. First American's net worth ratio of 13.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First American offer compared to banks?
Credit unions like First American 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 First American 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.