American First

BREA, CA · 2 · Charter #68485 · www.amerfirst.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.2B
17th percentile
Members
49,654
4th percentile
Total loans
$1.0B
29th percentile
Total shares
$871.8M
3th percentile

Profitability

Return on assets
0.69%
28th percentile
Net interest margin
2.31%
8th percentile
Efficiency ratio
47.78%
67th percentile
Non-interest income ratio
17.22%
40th percentile

Capital & Risk

Net worth ratio
10.69%
48th percentile
Delinquency rate
0.15%
98th percentile
Net charge-off rate
0.32%
75th percentile
Loan-to-share
120.11%
98th percentile

Growth

Member growth YoY
14.38%
96th percentile
Asset growth YoY
23.91%
97th percentile
Loan growth YoY
33.61%
98th percentile
Share growth YoY
19.52%
95th percentile

Operations

Members / branch
9,931
72th percentile
Assets / member
$24,990
87th percentile
Field of membership penetration
1.57%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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