AMERICAN FIRST
Charter #68485 · BREA, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.84% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.60% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.50% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 51st — a 31-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 | AMERICAN FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.31B | 20th pct | 51th pct |
| Members | 50,550 | 4th pct | 31th pct |
| Net worth ratio | 10.33% | 40th pct | 39th pct |
| Return on average assets | 0.84% | 59th pct | 59th pct |
| Net interest margin | 2.84% | 19th pct | 16th pct |
| Cost of funds | 2.60% | 87th pct | 82th pct |
| Loan-to-share | 96.55% | 83th pct | 75th pct |
| Delinquency 60+ days | 0.12% | 3th pct | 7th pct |
| Net charge-off ratio | 0.35% | 28th pct | 54th pct |
| Loan growth YoY | 16.84% | 98th pct | 95th pct |
| Share growth YoY | 14.42% | 96th pct | 86th pct |
| Efficiency ratio | 67.50% | 31th pct | 20th pct |
structural peer set hash: c8076e3966217d34d6b80c2fc725ceba… (reproducible)
Closest structural peers
This is the free public view
Claim AMERICAN FIRST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.