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Credit union call report ยท Birmingham, AL

Americas First Federal Credit Union Call Report

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Americas First Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 473 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Americas First Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number24534
Federal Reserve RSSD ID455093

The official copy: search charter number 24534 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Americas First Federal Credit Union call report, Q2 2026

Statement of Financial Condition (37 items)
Americas First Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $25.2M
1b. Cash Items in Process of Collection AS0005 $6.3M
1c. Total Cash on Hand 730A $31.5M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $102.3M
2b. Cash on Deposit in Federal Reserve Bank AS0003 $199.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $1.2M
2. Cash on Deposit (total) 730B $302.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $334.1M
6. Equity Securities AS0055 $54.7M
8. Available-for-Sale Debt Securities AS0067 $51.7M
11. TOTAL INVESTMENT SECURITIES AS0013 $106.4M
12b. Perpetual Contributed Capital 769B $153K
12c. All Other Investments AS0016 $6.9M
13. TOTAL OTHER INVESTMENTS AS0017 $7.1M
15a. Number of Total Loans and Leases 025A 132,935
15b. Total Loans and Leases 025B $2.20B
17. ACL on Loans and Leases AS0048 $15.8M
18c. Foreclosed/Repossessed - Vehicles AS0024 $514K
18d. Foreclosed/Repossessed - Other AS0025 $59K
18e. Foreclosed/Repossessed Assets (total) 798A $572K
19. Land and Building 007 $72.4M
20. Other Fixed Assets 008 $10.0M
21. NCUA Share Insurance Capitalization Deposit 794 $22.3M
22d. Accrued Interest on Loans 009A $6.6M
22e. Accrued Interest on Investments 009B $139K
22f. All Other Assets 009C $45.2M
22g. Total Other Assets AS0036 $52.0M
23. TOTAL ASSETS 010 $2.79B
Accounts Payable and Other Liabilities 825 $27.7M
Accrued Dividends and Interest Payable 820A $3.4M
ACL on Off-Balance-Sheet Exposures LI0003 $305K
Member Shares of All Types 013 $2.42B
Total Shares and Deposits 018 $2.42B
Undivided Earnings 940 $341.0M
Total Net Worth 997 $341.2M
Net Worth Ratio 998 12.25%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $2.79B
Statement of Income and Expense (25 items)
Americas First Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $60.8M
3. Income from Investments 120 $6.5M
5. TOTAL INTEREST INCOME 115 $67.3M
6. Dividends on Shares 380 $17.8M
9. TOTAL INTEREST EXPENSE 350 $17.8M
10. NET INTEREST INCOME IS0010 $49.5M
12a. Credit Loss Expense - Loans and Leases IS0011 $6.3M
12e. Total Credit Loss Expense IS0017 $6.3M
13. Fee Income 131 $6.6M
14. Other Operating Income IS0020 $10.3M
15. Gain (Loss) on Equity/Trading Securities IS0046 $2.6M
18. Gain (Loss) on Disposition of Fixed Assets 430 -$452
22. Other Non-Operating Income 440 $3K
23. TOTAL NON-INTEREST INCOME 117 $19.5M
24. Employee Compensation and Benefits 210 $22.5M
25. Travel and Conference 230 $223K
26. Office Occupancy 250 $2.3M
27. Office Operations 260 $13.8M
28. Educational and Promotional 270 $2.7M
29. Loan Servicing 280 $2.4M
30. Professional and Outside Services 290 $648K
32. Operating Fees 320 $181K
33. Miscellaneous Operating Expense 360 $695K
34. TOTAL NON-INTEREST EXPENSE 671 $45.3M
35. NET INCOME 661A $17.3M
Statement pages - all other filed accounts (26 items)

delinquency (21%), credit cards (21%)

Americas First Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $18.6M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $6.3M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $3.7M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $392K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $324K
Loans Granted Year-to-Date 031A $13K
Amount of Loans Granted Year-to-Date 031B $437.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $17.0M
Number of current members (not number of accounts) 083 195,624
Number of potential members 084 1,612,317
Net Member Business Loan Balance 400A $85.0M
Interest Rate of Unsecured Credit Card Loans 521 859.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,175.00%
Interest Rate of New Vehicle Loans 523 555.00%
Interest Rate of Used Vehicle Loans 524 605.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $6.5M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $936K
Total Amount of All Other Shares 630 $533K
Amount of Regular Shares 657 $929.2M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $641K
Amount of Share Drafts 902 $394.3M
IRA/KEOGH Accounts - < 1 Year 906A $182.3M
Share Certificates - < 1 Year 908A $625.8M
Total Amount of Share Certificates 908C $656.9M
Total Amount of Money Market Shares 911 $247.0M
Number of Used Vehicle Loans 968 39,353
NCUA data file FS220A (27 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Americas First Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $2.38B
Total Shares - 1-3 Years 013B1 $20.2M
Total Shares - > 3 Years 013B2 $16.6M
Total Shares and Deposits - < 1 Year 018A $2.38B
Total Shares and Deposits - 1-3 Years 018B1 $20.2M
Total Shares and Deposits - > 3 Years 018B2 $16.6M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 1,234
Amount of Delinquent Indirect Loans 041E $8.6M
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $816.4M
Amount of New Vehicle Loans 385 $481.9M
Amount of Unsecured Credit Card Loans 396 $44.6M
Amount of All Other Unsecured Loans/Lines of Credit 397 $38.9M
Share Certificates 451 $17K
Number of Accounts for Share Drafts 452 120,354
IRA/KEOGH Accounts 453 $6K
Number of Accounts for Regular Shares 454 221,073
All other shares 455 $140
Money Market Shares 458 $4K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 368,968
Number of credit union employees who are Full-Time (26 hours or more) 564A 445
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 23
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $6.3M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,731.00%
Number of Outstanding Indirect Loans 617A 46,384
Total Amount of Outstanding Indirect Loans 618A $1.14B
Total credit lines 881 $201.7M
NCUA data file FS220B (28 items)

maturity and repricing buckets (40%), credit cards (17%)

Americas First Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $219K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $97K
Number - Total Delinquent Credit Card Loans 045A 171
Total Amount of Delinquent Unsecured Credit Card Loans 045B $522K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $129.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $129.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $2.29B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $533K
Amount of Regular Shares - < 1 Year 657A $929.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $694K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $109K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $178K
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $394.3M
IRA/KEOGH Accounts - 1-3 Years 906B1 $3.0M
IRA/KEOGH Accounts - > 3 Years 906B2 $2.6M
Total Amount of IRA/KEOGH Accounts 906C $187.9M
Share Certificates - 1-3 Years 908B1 $17.2M
Share Certificates - > 3 Years 908B2 $13.9M
Money Market Shares - < 1 Year 911A $247.0M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $4.4M
Number of New Vehicle Loans 958 16,212
Total Shares 966 $369K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $7.6M
Number of Unsecured Credit Card Loans 993 36,830
Number of All Other Unsecured Loans/Lines of Credit 994 21,385
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 102
NCUA data file FS220C (7 items)

charge-offs and recoveries (27%), participation loans (18%)

Americas First Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $3.0M
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $302K
Number of credit union branches (include the main office if member services are conducted at that location) 566 23
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $372.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $90.4M
Amount of Participation Loans Purchased Year-to-Date 690 $5.2M
NCUA data file FS220D (35 items)

member services and products offered (69%), CUSO relationships (27%)

Americas First Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
Online Financial Literacy 879B7 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Payday Alternative Loans (PAL loans) (FCU Only) 879D9 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Deposits and Shares Meeting 703.10(a) 879M $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (9 items)

loans and leases (32%), participation loans (18%)

Americas First Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $193K
Total Outstanding Amount of Participation Loans Purchased By Type 691L $41.0M
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 3
Total Value of Investments in CUSOs 851 $41K
Total Aggregate Cash Outlay in CUSOs 853 $41K
Assets Pledged to Secure Borrowings 878 $51.2M
Total Credit Lines at Corporate Credit Unions 884 $158K
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $193K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $193K
NCUA data file FS220H (21 items)

student loans (43%), delinquency (27%)

Americas First Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $228K
Number of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031C 730
Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031D $348K
Payday Alternative Loans (PAL loans) (FCU only) 30-59 days delinquent 089B $7K
Payday Alternative Loans (PAL loans) (FCU only) 60-179 days delinquent 127B $11K
Payday Alternative Loans (PAL loans) (FCU only) 180-359 days delinquent 128B $4K
Total Number of Reportable Delinquent Loans for Payday Alternative Loans (PAL loans) (FCU only) 130A $68
Total Reportable Payday Alternative Loans (PAL loans) (FCU only) Delinquent Loans 130B $22K
YTD Charge Offs of Payday Alternative Loans (PAL loans) (FCU only) 136 $19K
YTD Recoveries of Payday Alternative Loans (PAL loans) (FCU only) 137 $2K
Amount of Payday Alternative Loans (PAL loans) 397A $207K
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,800.00%
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $24K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $5K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 1,066.00%
Amount of Non-Federally Guaranteed Student Loans 698A $2.7M
Total Unfunded Commitments for all loan types 816A $579.0M
Number of Non-Federally Guaranteed Student Loans 963A 82
Number of Payday Alternative Loans (PAL loans) 994A 621
Total number of TDR loans outstanding 1000F $395
Total amount of TDR loans outstanding 1001F $9.3M
NCUA data file FS220I (20 items)

vehicle lending (59%), delinquency (44%)

Americas First Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $3.8M
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $10.3M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $1.2M
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $2.7M
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $637K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $1.9M
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $58K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $250K
Number of Reportable Delinquent New Vehicle Loans 035E1 132
Number of Reportable Delinquent Used Vehicle Loans 035E2 487
Amount of Reportable Delinquent New Vehicle Loans 041C1 $3.0M
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $7.8M
Amount of New Vehicle Loans YTD Charge Offs 550C1 $740K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2.8M
Amount of New Vehicle Loans YTD Recoveries 551C1 $98K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $387K
Commercial Share Accounts 643 $89.7M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $657K
Amount of Grants Awarded Year-to-Date 926 $5K
Amount of Grants Received Year-to-Date 927 $5K
NCUA data file FS220J (3 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Americas First Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Investments 789D $42.7M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $42.7M
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $12.0M
NCUA data file FS220L (41 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Americas First Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $133K
Total Amount of Loans & Leases on Loan Schedule 025B1 $2.20B
Total number of commercial loans to members granted or purchased YTD 090A1 $8
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $2
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 3
Number of purchased or participation interests in commercial loans secured by non-owner occupied non-farm, non-residential property to nonmembers purchased YTD 090J3 2
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $2
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 5
Number of member construction and development commercial loans 143A3 1
Outstanding balance of member construction and development commercial loans 143B3 $2.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $231.8M
Amount of All Other Real Estate Loans/Lines of Credit 386B $16.8M
Total outstanding balance of commercial loans to members 400A1 $18.9M
Total outstanding balance of nonmember commercial loans 400B1 $31.1M
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $996K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $6.3M
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $539K
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $7.8M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $28.6M
Outstanding balance of Member Commercial and Industrial loans 400L2 $1.3M
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $2.0M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $2.3M
Outstanding balance of all member and non-member commercial loans 400T1 $50.0M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $507K
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $5.2M
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $175K
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475J3 $5.2M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $5.2M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $332K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 433.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 710.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 595.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 658.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 616.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 1,210.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $41.0M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $118.1M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $395.1M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $16.6M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $31.1M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $47.7M
NCUA data file FS220M (25 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Americas First Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $191.1M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $219.8M
Total Unfunded Commitments for Commercial Loans 814K $4.8M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $4.1M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $158.5M
Total Unfunded Commitments for Non-Commercial Loans 816T $574.2M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $587K
Total number of member commercial loans 900A1 $46
Total number of nonmember commercial loans 900B1 $22
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 12
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 12
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 2
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 4
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 19
Total number of real estate secured member commercial loans 900K2 $17
Total number of real estate secured nonmember commercial loans 900K3 $22
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 39
Number of Member Commercial and Industrial loans 900L2 17
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 1
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 29
Total Number of Member and Nonmember commercial loans 900T1 $68
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 4,217
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 5,125
Number of All Other Real Estate Loans/Lines of Credit 960B 90
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 8,952
NCUA data file FS220N (10 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Americas First Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities <=1 Year AS0050 $794K
Equity Securities >5 and <= 10 Years AS0053 $24.7M
Equity Securities > 10 Years AS0054 $29.1M
Available-for-sale Debt Securities <=1 Year AS0062 $29.6M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $1.1M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $21.0M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$2.9M
Total Liabilities LI0069 $2.45B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $5.5M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $2.79B
NCUA data file FS220P (55 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Americas First Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $1.2M
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $230K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $733K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $73K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $667
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $320K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $31K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $40.2M
Unsecured Credit Card Loans DL0002 $206K
Payday Alternative Loans DL0009 $7K
All Other Unsecured Loans/Lines of Credit DL0022 $423K
All Other Unsecured Loans/Lines of Credit DL0023 $256K
All Other Unsecured Loans/Lines of Credit DL0024 $424K
All Other Unsecured Loans/Lines of Credit DL0025 $143K
All Other Unsecured Loans/Lines of Credit DL0026 $3K
All Other Unsecured Loans/Lines of Credit DL0027 $826K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $245
New Vehicle Loans DL0030 $1.1M
Used Vehicle Loans DL0037 $2.8M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $1.5M
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $376K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $324K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $273K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $21K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $994K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $71
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $326K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $798K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $897K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $164K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $60K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $1.9M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $29
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $1.8M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $987K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $503K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $204K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $1.7M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $30
Dollar Amount of Reportable Delinquency - 180 - 359 Days Delinquent - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0074 $206K
Total Dollar Amount of Reportable Delinquency - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0076 $206K
Total Number of Reportable Delinquent Loans - All Other (Non-Commercial) Real Estate Loans/Lines of Credit DL0077 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $6.5M
Amount of Consumer Loans in Non-Accrual Status DL0145 $10.4M
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $174
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $3.7M
Number of Indirect Loans - New and Used Vehicle Loans IN0001 43,357
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $1.04B
Number of Indirect Loans - All Other Loans IN0007 3,027
Amount of Indirect Loans - All Other Loans IN0008 $96.7M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $237.6M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $4.8M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $335.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $1.2M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $341.4M
NCUA data file FS220Q (33 items)

investment portfolio detail (69%)

Americas First Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $174.1M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $20.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $30.3M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $10.0M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $9.8M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $44.6M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $41.9M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $54.6M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $51.7M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $54.6M
Total Fair Value Available-for-Sale Debt Securities NV0084 $51.7M
Trading Investments - Equity Securities - Other Equities NV0108 $54.7M
Trading Investments - Equity Securities - Total Equity Securities NV0109 $54.7M
Total Trading Debt and Equity Securities NV0110 $54.7M
Investment Maturity Distribution - Equity Securities - Total NV0122 $54.7M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $51.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $5.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $1.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $153K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $7.1M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $35.4M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $3.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $21.0M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $24.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $29.3M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $113.5M
RBC Total Equity RB0001 $341.2M
RBC Allowance for Credit Losses RB0002 $16.1M
RBC Total Additions RB0005 $16.1M
RBC Total Deductions RB0009 $22.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $335.0M
RBC Risk-Based Capital Numerator RB0012 $335.0M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $5.2M
NCUA data file FS220R (64 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Americas First Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $27.4M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $341.4M
CCULR Off-Balance sheet exposures ratio LR0003 1,225.00%
RBC Schedule Total Investments RB0039 $113.5M
RBC Schedule Total Consumer Loans RB0060 $1.52B
RBC Schedule Total Commercial Loans RB0068 $50.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $15.8M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $15.8M
RBC Schedule Total Loans RB0079 $2.18B
RBC Total for Risk Weighting Total Loans RB0081 -$15.8M
RBC Total Loans 0% Weight RB0082 -$15.8M
RBC Schedule Total Other Assets RB0088 $157.2M
RBC Total for Risk Weighting Other Assets RB0090 $22.3M
RBC Other Assets 0% Weight RB0091 $22.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $2.79B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $6.5M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $6.5M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $2.79B
RBC Allowance for Credit Losses (Loans) RB0177 $15.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1,001.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 182,617,009.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 28,010,868.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 2,525.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 148,421,746.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 3,574,648.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $70
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $8.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $5.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $612
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $53.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $4.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 9.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 1,844,120.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 13,983,750.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $395.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $54.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 35.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,889,745.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 62,490.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 134,794.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 4,120.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 191,962,271.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 3,725,600.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 969.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 37,818,638.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 41,089,815.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $231.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $44.9M
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 90.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 16,753,841.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Granted YTD RL0034 9,847,936.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $16.8M
All Other (Non-commercial) Real Estate - Amount of Loans Granted YTD - Total RL0045 $9.8M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $9K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $643.7M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $109.6M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $151.0M
Total Shares SH0013 $2.42B
Total Shares and Deposits SH0018 $2.42B
Number of Loans Sold, Year-to-date SL0022 1
Amount of Loans Sold, Year-to-date SL0023 $178K
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 1
NCUA data file FS220S (7 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Americas First Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Americas First Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Americas First Federal Credit Union call report?

The Americas First Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Americas First Federal Credit Union file?

Americas First Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Americas First Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Americas First Federal Credit Union is 24534.

How often does Americas First Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Americas First Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.