America's First

Birmingham, AL · 1 · Charter #24534 · www.amfirst.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
$2.7B
63th percentile
Members
194,683
74th percentile
Total loans
$2.2B
67th percentile
Total shares
$2.3B
65th percentile

Profitability

Return on assets
1.80%
90th percentile
Net interest margin
3.43%
62th percentile
Efficiency ratio
49.11%
61th percentile
Non-interest income ratio
22.48%
76th percentile

Capital & Risk

Net worth ratio
12.05%
72th percentile
Delinquency rate
0.94%
32th percentile
Net charge-off rate
0.40%
63th percentile
Loan-to-share
92.91%
58th percentile

Growth

Member growth YoY
0.54%
30th percentile
Asset growth YoY
6.72%
60th percentile
Loan growth YoY
8.32%
70th percentile
Share growth YoY
5.81%
55th percentile

Operations

Members / branch
8,849
63th percentile
Assets / member
$13,802
13th percentile
Field of membership penetration
12.11%
72th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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