AMERICA FIRST
Charter #24694 · RIVERDALE, UT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $1.55M ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.42% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.34% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.65% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 61st — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AMERICA FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.73B | 99th pct | 97th pct |
| Members | $1.55M | 99th pct | 97th pct |
| Net worth ratio | 11.61% | 66th pct | 70th pct |
| Return on average assets | 1.42% | 90th pct | 87th pct |
| Net interest margin | 3.61% | 67th pct | 54th pct |
| Cost of funds | 2.23% | 74th pct | 61th pct |
| Loan-to-share | 77.46% | 27th pct | 16th pct |
| Delinquency 60+ days | 1.34% | 91th pct | 93th pct |
| Net charge-off ratio | 0.98% | 83th pct | 61th pct |
| Loan growth YoY | 2.00% | 54th pct | 54th pct |
| Share growth YoY | 5.83% | 74th pct | 75th pct |
| Efficiency ratio | 55.65% | 6th pct | 10th pct |
structural peer set hash: 54b8fe6aeeab2ce70b44ad20d7ab8370… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.