AMERICA'S FIRST

Charter #24534 | AL

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in AL

AMERICA'S FIRST has 10 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.4% in tier
  • + Relationship Depth Leader: Top 24.4% in tier
  • + ROA 0.79% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Total Members: Top 1.6% in tier
  • + Total Loans: Top 4.3% in tier
  • + Efficiency Ratio: Top 7.2% in tier
  • + Total Deposits: Top 7.6% in tier
  • + First Mortgage Concentration (%): Top 9.2% in tier
  • + Total Assets: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.2% in tier
  • - Growth-at-Risk: Bottom 10.2% in tier
  • - Liquidity Strain: Bottom 14.3% in tier
  • - Credit Quality Pressure: Bottom 18.6% in tier
  • - Liquidity Overhang: Bottom 33.3% in tier
  • - Indirect Auto Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 195,598
+0.1% YoY+0.2% QoQ
 +96.9K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 Top 2.0% in tier
Assets $2.6B
+4.4% YoY+0.8% QoQ
 +$905.7M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 Top 9.9% in tier
Loans $2.2B
+10.5% YoY+1.6% QoQ
 +$941.1M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 Top 4.6% in tier
Deposits $2.3B
+3.4% YoY+0.3% QoQ
 +$831.1M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 Top 7.9% in tier
ROA 1.5%
+30.0% YoY+7.5% QoQ
 +0.8% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 Top 6.6% in tier
NIM 3.5%
+20.5% YoY+1.6% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 60.2%
-9.3% YoY-2.7% QoQ
 -13.8% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 7.2% in tier
Delinquency Rate 0.8%
+11.1% YoY-5.2% QoQ
 -0.0 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 95.1%
+6.9% YoY+1.3% QoQ
 +9.9% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 25.0% in tier
AMR $22,800
+6.7% YoY+0.7% QoQ
 $-6K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 Bottom 19.4% in tier
CD Concentration 27.4%
+2.0% YoY+3.0% QoQ
 -1.6% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 44th in tier
Indirect Auto % 49.4%
+0.8% YoY-0.7% QoQ
 +30.6% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 Top 4.7% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#76 of 264 • Top 10.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#177 of 264 • Top 24.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#21 of 202 • Bottom 3.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.40%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 49.39%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.11%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY

Growth-at-Risk

risk
#58 of 161 • Bottom 10.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.54%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#76 of 183 • Bottom 14.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.13%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.54%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

Credit Quality Pressure

risk
#143 of 217 • Bottom 18.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk
#108 of 113 • Bottom 33.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.09%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 95.13%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (11 metrics)

6
Total Members
engagement
Value: 195,598
Peer Avg: 98,678
#6 of 304 Top 1.6% in 1B-3B tier
14
Total Loans
balance_sheet
Value: $2.17B
Peer Avg: $1.23B
#14 of 304 Top 4.3% in 1B-3B tier
20
Return on Assets (ROA)
profitability
Value: 1.49%
Peer Avg: 0.70%
#20 of 304 Top 6.2% in 1B-3B tier
23
Efficiency Ratio
profitability
Value: 60.22%
Peer Avg: 73.97%
#23 of 304 Top 7.2% in 1B-3B tier
24
Total Deposits
balance_sheet
Value: $2.29B
Peer Avg: $1.45B
#24 of 304 Top 7.6% in 1B-3B tier
29
First Mortgage Concentration (%)
balance_sheet
Value: 17.01%
Peer Avg: 34.01%
#29 of 304 Top 9.2% in 1B-3B tier
30
Total Assets
balance_sheet
Value: $2.63B
Peer Avg: $1.72B
#30 of 304 Top 9.5% in 1B-3B tier
55
Loan Growth Rate
growth
Value: 10.54%
Peer Avg: 5.27%
#55 of 304 Top 17.8% in 1B-3B tier
61
AMR Growth Rate
growth
Value: 6.67%
Peer Avg: 3.29%
#61 of 304 Top 19.7% in 1B-3B tier
61
Members Per Employee (MPE)
engagement
Value: 428.943
Peer Avg: 364.953
#61 of 304 Top 19.7% in 1B-3B tier

Top Weaknesses (2 metrics)

290
Indirect Auto Concentration (%)
balance_sheet
Value: 49.39%
Peer Avg: 18.32%
#290 of 304 Bottom 4.9% in 1B-3B tier
245
Average Member Relationship (AMR)
engagement
Value: $22,800
Peer Avg: $29,172
#245 of 304 Bottom 19.7% in 1B-3B tier