Credit Union Safety Analysis
Is American First Credit Union Safe? Brea, California
Based on its Q2 2026 NCUA 5300 call report, American First Credit Union has a net worth ratio of 10.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.16%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of American First Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, American First Credit Union's net worth ratio is 10.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.09%
- Delinquency ratio (60+ days) (Q2 2026): 0.16%
- Return on assets (Q2 2026): 0.81%
- Loan-to-share ratio (Q2 2026): 98.55%
American First Credit Union (NCUA charter 68485, established 1952) reported $1.37B in assets and 51,105 members for Q2 2026 from Brea, California. It ranks 51 of 238 credit unions in California by total assets. Total assets grew 29.2% from $1.06B on June 30, 2025. It has 4,358 more members than on June 30, 2025 (+9.3%). Its net worth ratio was up 0.27 percentage points from 9.82% on June 30, 2025. Commercial loans are its largest loan category, $468.1M of $1.16B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.16% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.33% for Q1 2026; 9.82% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.12% for Q1 2026; 0.32% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.81% for Q1 2026; 0.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 96.55% for Q1 2026; 91.42% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $468.1M
- Other unsecured loans and lines of credit: $425.4M
- 1- to 4-family residential and other consumer real estate loans: $155.2M
- Used vehicle loans: $77.9M
- New vehicle loans: $28.7M
- Unsecured credit card loans: $7.6M
- Other secured non-real estate loans and lines of credit: $1.0M
- Non-federally guaranteed student loans: $154K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.37B | 10.09% | 0.16% | 0.81% | 98.55% |
| March 31, 2026 | $1.31B | 10.33% | 0.12% | 0.81% | 96.55% |
| December 31, 2025 | $1.24B | 10.69% | 0.15% | 0.76% | 97.21% |
| September 30, 2025 | $1.15B | 9.25% | 0.24% | 0.69% | 94.55% |
| June 30, 2025 | $1.06B | 9.82% | 0.32% | 0.29% | 91.42% |
| March 31, 2025 | $988.2M | 10.45% | 0.09% | -0.12% | 91.26% |
Add this badge to your website
Free to use. It shows American First Credit Union’s latest filed figures and updates each quarter.
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.
American First Credit Union profile
Regulator records: NCUA credit union profile (charter 68485) · FFIEC NIC profile (RSSD 452186)
Frequently asked questions
Is American First Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, American First Credit Union's net worth ratio is 10.09%, above the 7% NCUA threshold for well capitalized.
Is American First Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. American First Credit Union is a federally insured credit union (NCUA charter 68485): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are American First Credit Union's key safety ratios?
For Q2 2026, American First Credit Union reports net worth 10.09%, delinquency 0.16%, ROA 0.81%, loan-to-share 98.55%.
What happens to my money if American First Credit Union fails?
For Q2 2026, American First Credit Union held $1.18B in shares and deposits for 51,105 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.