America First Federal Credit Union Riverdale, Utah
America First Federal Credit Union is a federal credit union headquartered in Riverdale, UT, established in 1939 (NCUA charter 24694), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,588,687 members and total assets of $25.99B (up 13.5% from Q2 2025), the largest of 50 credit unions headquartered in Utah. Its net worth ratio was 11.80% at Q2 2026, in the well capitalized band.
Also written as America First FCU · Trade name filed with the NCUA: Meadows Financial a division of America First
BankRegReports is independent of America First Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24694
- Headquarters
- Riverdale, UT
- Established
- 1939
- Total assets, Q2 2026
- $25.99B
- Assets vs Q2 2025
- +13.5%
- Members, Q2 2026
- 1,588,687
- Net worth ratio, Q2 2026
- 11.80%
- Latest call report
- Q2 2026, NCUA 5300 · America First Federal Credit Union call report
- Asset rank in state
- 1st of 50 in Utah
- Routing number
- 324377516
- Branches
- 131
It has 73,893 more members than on June 30, 2025 (+4.9%). Its net worth ratio was up 0.54 percentage points from 11.26% on June 30, 2025. Used vehicle loans are its largest loan category, $6.17B of $18.44B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.45% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 11.80% net worth ratio is above that band's 10.42% median.
Credit unions similar in size in Utah
Credit unions merged into America First Federal Credit Union
Greater Nevada Credit Union (2026) · 1st Valley Credit Union (2024) · City Center Credit Union (2019) · Altier Credit Union (2018) · Stage Employees Federal Credit Union (2015)
Frequently asked about America First Federal Credit Union
How big is America First Federal Credit Union?
At Q2 2026 it reported total assets of $25.99B and 1,588,687 members.
Where is America First Federal Credit Union headquartered?
It is headquartered in Riverdale, UT, United States.
When was America First Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is America First Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24694): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates America First Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is America First Federal Credit Union well capitalized?
Its net worth ratio was 11.80% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is America First Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is America First Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.23% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Riverdale, UT 84405
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 24694
- RSSD ID
- 277697
- Members
- 1,588,687
- Potential members
- 14,770,273
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 11.80% | 10.42% | 74th above |
| Return on assets Middle half of peers: 0.59% to 1.31% | 2.11% | 0.97% | over 90th top |
| Return on equity Middle half of peers: 6.05% to 14.24% | 18.97% | 9.50% | over 90th top |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.63% | 3.17% | 81st top |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 49.72% | 61.32% | 79th top |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.93% | 1.88% | 42nd below |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 1.45% | 0.91% | 17th bottom |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.55% | 5.07% | 81st position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 81.23% | 89.87% | 25th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$25.99B total assets against $22.89B; $22.70B total shares and deposits against $20.10B; $18.44B total loans against $15.99B.
$2.89B net worth against $2.49B.
11.80% net worth ratio against 11.26%.
81.23% loan-to-share ratio against 79.57%.
1.45% delinquency ratio against 1.24%.
2.11% return on assets against 1.37%; 18.97% return on equity against 12.62%.
3.63% net interest margin against 3.67%.
1,588,687 members against 1,514,794.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.80% | 2.11% | 1.45% | 81.23% |
| March 31, 2026 | 11.61% | 1.39% | 1.34% | 77.46% |
| December 31, 2025 | 11.51% | 1.34% | 1.58% | 80.16% |
| September 30, 2025 | 11.46% | 1.72% | 1.28% | 80.38% |
| June 30, 2025 | 11.26% | 1.37% | 1.24% | 79.57% |
| March 31, 2025 | 11.17% | 1.36% | 1.20% | 78.35% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.