America First

RIVERDALE, UT · 1 · Charter #24694 · www.americafirst.com
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$23.8B
71th percentile
Members
1,554,689
76th percentile
Total loans
$16.7B
67th percentile
Total shares
$20.8B
71th percentile

Profitability

Return on assets
2.19%
86th percentile
Net interest margin
3.55%
76th percentile
Efficiency ratio
38.34%
81th percentile
Non-interest income ratio
18.54%
67th percentile

Capital & Risk

Net worth ratio
11.20%
76th percentile
Delinquency rate
1.58%
19th percentile
Net charge-off rate
0.90%
52th percentile
Loan-to-share
80.23%
19th percentile

Growth

Member growth YoY
4.41%
57th percentile
Asset growth YoY
9.43%
62th percentile
Loan growth YoY
7.74%
57th percentile
Share growth YoY
8.59%
48th percentile

Operations

Members / branch
13,519
45th percentile
Assets / member
$15,300
24th percentile
Field of membership penetration
10.62%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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