Credit Union Safety Analysis
Is America First Federal Credit Union Safe? Riverdale, Utah
Based on its Q2 2026 NCUA 5300 call report, America First Federal Credit Union has a net worth ratio of 11.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.45%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, America First Federal Credit Union's net worth ratio is 11.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.80%
- Delinquency ratio (60+ days) (Q2 2026): 1.45%
- Return on assets (Q2 2026): 2.11%
- Loan-to-share ratio (Q2 2026): 81.23%
America First Federal Credit Union (NCUA charter 24694, established 1939) reported $25.99B in assets and 1,588,687 members for Q2 2026 from Riverdale, Utah. It is the largest of 50 credit unions in Utah by total assets. Total assets grew 13.5% from $22.89B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 11.61% for Q1 2026; 11.26% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 1.34% for Q1 2026; 1.24% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.39% for Q1 2026; 1.37% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 77.46% for Q1 2026; 79.57% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.17B
- 1- to 4-family residential and other consumer real estate loans: $4.66B
- Commercial loans: $2.98B
- Other secured non-real estate loans and lines of credit: $1.87B
- New vehicle loans: $1.45B
- Unsecured credit card loans: $1.02B
- Other unsecured loans and lines of credit: $291.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $25.99B | 11.80% | 1.45% | 2.11% | 81.23% |
| March 31, 2026 | $24.73B | 11.61% | 1.34% | 1.39% | 77.46% |
| December 31, 2025 | $23.79B | 11.51% | 1.58% | 1.34% | 80.16% |
| September 30, 2025 | $23.32B | 11.46% | 1.28% | 1.72% | 80.38% |
| June 30, 2025 | $22.89B | 11.26% | 1.24% | 1.37% | 79.57% |
| March 31, 2025 | $22.58B | 11.17% | 1.20% | 1.36% | 78.35% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
America First Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24694) · FFIEC NIC profile (RSSD 277697)
Frequently asked questions
Is America First Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, America First Federal Credit Union's net worth ratio is 11.80%, above the 7% NCUA threshold for well capitalized.
Is America First Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. America First Federal Credit Union is a federally insured credit union (NCUA charter 24694): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are America First Federal Credit Union's key safety ratios?
For Q2 2026, America First Federal Credit Union reports net worth 11.80%, delinquency 1.45%, ROA 2.11%, loan-to-share 81.23%.
What happens to my money if America First Federal Credit Union fails?
For Q2 2026, America First Federal Credit Union held $22.70B in shares and deposits for 1,588,687 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.