American United Federal Credit Union West Jordan, Utah
American United Federal Credit Union is a federal credit union headquartered in West Jordan, UT, established in 1952 (NCUA charter 8187), and it is regulated and insured by the NCUA. At Q2 2026 it reported 20,915 members and total assets of $382.7M (up 0.2% from Q2 2025), the 13th largest of 50 credit unions headquartered in Utah. Its net worth ratio was 11.48% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: First Californian Credit Union, American United FCU and American United Credit Union
BankRegReports is independent of American United 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
- 8187
- Headquarters
- West Jordan, UT
- Established
- 1952
- Total assets, Q2 2026
- $382.7M
- Assets vs Q2 2025
- +0.2%
- Members, Q2 2026
- 20,915
- Net worth ratio, Q2 2026
- 11.48%
- Latest call report
- Q2 2026, NCUA 5300 · American United Federal Credit Union call report
- Asset rank in state
- 13th of 50 in Utah
- Routing number
- 324078640
- Branches
- 11
It has 1,402 fewer members than on June 30, 2025 (-6.3%). Its net worth ratio was up 0.51 percentage points from 10.97% on June 30, 2025. Commercial loans are its largest loan category, $91.5M of $295.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.25% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.48% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Utah
Credit unions merged into American United Federal Credit Union
Gibbons and Reed Employees Federal Credit Union (2026) · Sunnyside Credit Union (2019) · The Credit Union for the Blind and Visually Impaired of Utah (2018) · Midvalley Federal Credit Union (2018) · Grantsville Federal Credit Union (2016) · Deseret News Employees Credit Union (2014) · Newspaper Employees Credit Union (2013)
Frequently asked about American United Federal Credit Union
How big is American United Federal Credit Union?
At Q2 2026 it reported total assets of $382.7M and 20,915 members.
Where is American United Federal Credit Union headquartered?
It is headquartered in West Jordan, UT, United States.
When was American United Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is American United Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8187): 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 American United Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is American United Federal Credit Union well capitalized?
Its net worth ratio was 11.48% 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 American United Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.25% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is American United Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Jordan, UT 84088
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 8187
- RSSD ID
- 515287
- Members
- 20,915
- Potential members
- 1,308,377
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.48% | 11.43% | 51st above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.53% | 0.81% | 32nd below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.65% | 7.02% | 31st below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.97% | 3.70% | 67th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 77.34% | 76.55% | 47th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.96% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.25% | 0.68% | 22nd bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.92% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 87.60% | 75.66% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$382.7M total assets against $381.9M; $337.3M total shares and deposits against $322.4M; $295.5M total loans against $295.7M.
$43.9M net worth against $41.9M.
11.48% net worth ratio against 10.97%.
87.60% loan-to-share ratio against 91.71%.
1.25% delinquency ratio against 1.09%.
0.53% return on assets against 0.30%; 4.65% return on equity against 2.72%.
3.97% net interest margin against 3.75%.
20,915 members against 22,317.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.48% | 0.53% | 1.25% | 87.60% |
| March 31, 2026 | 11.02% | 0.24% | 1.05% | 88.21% |
| December 31, 2025 | 11.33% | 1.02% | 1.06% | 93.79% |
| September 30, 2025 | 10.92% | 0.49% | 1.07% | 91.42% |
| June 30, 2025 | 10.97% | 0.30% | 1.09% | 91.71% |
| March 31, 2025 | 11.00% | 0.22% | 1.23% | 92.54% |
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.