AMERICA FIRST

Charter #24694 | UT

10B+ (21 CUs) Titans (21 CUs)
2 10B+ in UT

AMERICA FIRST has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 11.1% in tier
  • + Wallet Share Momentum: Top 25.0% in tier
  • + Relationship Depth Leader: Top 31.2% in tier
  • + ROA 0.71% above tier average
  • + Net Interest Margin 0.47% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.0% in tier
  • - Credit Quality Pressure: Bottom 9.8% in tier
  • - Growth-at-Risk: Bottom 12.2% in tier
  • - Delinquency rate 0.10% above tier average
  • - Indirect Auto Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 1,537,194
+4.6% YoY+1.5% QoQ
 -285.2K 1,822,416
+4.1% YoY
 76,315
+6.4% YoY
 33,089
+6.1% YoY
 Top 23.8% in tier
Assets $23.3B
+9.2% YoY+1.9% QoQ
 $-5.4B $28.7B
+4.2% YoY
 $1.2B
+10.2% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $16.4B
+7.5% YoY+2.7% QoQ
 $-4.7B $21.1B
+5.8% YoY
 $924.9M
+10.2% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $20.4B
+8.4% YoY+1.6% QoQ
 $-4.0B $24.4B
+7.2% YoY
 $1.1B
+10.6% YoY
 $464.6M
+9.3% YoY
 71st in tier
ROA 1.5%
+39.0% YoY+8.1% QoQ
 +0.7% 0.8%
+17.7% YoY
 0.9%
+11.6% YoY
 0.7%
+273.4% YoY
 Top 9.5% in tier
NIM 3.6%
+8.3% YoY+0.7% QoQ
 +0.5% 3.1%
+10.6% YoY
 3.4%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 23.8% in tier
Efficiency Ratio 53.6%
-8.4% YoY-2.4% QoQ
 -10.6% 64.3%
-4.3% YoY
 71.6%
-3.7% YoY
 79.1%
-3.3% YoY
 Bottom 9.5% in tier
Delinquency Rate 1.3%
+9.8% YoY+3.3% QoQ
 +0.1 1.2%
+9.7% YoY
 0.7%
+11.8% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 80.4%
-0.7% YoY+1.0% QoQ
 -9.4% 89.8%
-0.3% YoY
 78.2%
-2.6% YoY
 68.0%
-1.7% YoY
 Bottom 19.0% in tier
AMR $23,971
+3.3% YoY+0.6% QoQ
 $-7K $31,184
+7.8% YoY
 $21,167
+3.5% YoY
 $19,418
+1.3% YoY
 29th in tier
CD Concentration 31.6%
-1.2% YoY+2.1% QoQ
 -0.3% 31.9%
+2.0% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 38th in tier
Indirect Auto % 33.2%
-2.8% YoY-1.2% QoQ
 +18.9% 14.2%
-8.9% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 Top 9.5% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#7 of 18 • Top 11.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.55%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Return on Assets: 1.48%
(Tier: 0.76%, National: 0.71%)
better than tier avg
Indirect Auto %: 33.17%
(Tier: 14.25%, National: 7.90%)
but worse than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs)

Wallet Share Momentum

growth
#9 of 14 • Top 25.0% in tier

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

Why This Signature
AMR Growth (YoY): 3.29%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#11 of 14 • Top 31.2% in tier

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

Why This Signature
AMR Growth (YoY): 3.29%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $2.9K, National: $2.0K)
but worse than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#2 of 8 • Bottom 4.0% in tier

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

Why This Signature
Asset Growth (YoY): 9.23%
(Tier: 4.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.17%
(Tier: 14.25%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.55%
(Tier: 3.59%, National: 9.37%)
but better than tier avg
8 of 21 Titans CUs have this signature | 768 nationally
→ Stable (8→8 CUs)

Credit Quality Pressure

risk
#6 of 15 • Bottom 9.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Growth-at-Risk

risk
#6 of 14 • Bottom 12.2% in tier

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

Why This Signature
Loan Growth (YoY): 7.55%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | Rank worsening

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 21 peers in tier

Top Strengths (9 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 7.53%
Peer Avg: 41.28%
#1 of 21 Top 0.0% in 10B+ tier
2
Return on Assets (ROA)
profitability
Value: 1.48%
Peer Avg: 0.76%
#2 of 21 Top 4.8% in 10B+ tier
3
Efficiency Ratio
profitability
Value: 53.65%
Peer Avg: 64.29%
#3 of 21 Top 9.5% in 10B+ tier
4
Asset Growth Rate
growth
Value: 9.23%
Peer Avg: 4.36%
#4 of 21 Top 14.3% in 10B+ tier
5
Net Interest Margin (NIM)
profitability
Value: 3.58%
Peer Avg: 3.11%
#5 of 21 Top 19.0% in 10B+ tier
5
Net Worth Ratio
risk
Value: 11.46%
Peer Avg: 10.22%
#5 of 21 Top 19.0% in 10B+ tier
5
Total Members
engagement
Value: 1,537,194
Peer Avg: 1,822,417
#5 of 21 Top 19.0% in 10B+ tier
6
Total Assets
balance_sheet
Value: $23.32B
Peer Avg: $28.72B
#6 of 21 Top 23.8% in 10B+ tier
6
Total Deposits
balance_sheet
Value: $20.43B
Peer Avg: $24.43B
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (3 metrics)

20
Indirect Auto Concentration (%)
balance_sheet
Value: 33.17%
Peer Avg: 14.25%
#20 of 21 Bottom 9.5% in 10B+ tier
17
Loan-to-Share Ratio
balance_sheet
Value: 80.38%
Peer Avg: 89.80%
#17 of 21 Bottom 23.8% in 10B+ tier
17
Loan-to-Member Ratio (LMR)
engagement
Value: $10,682
Peer Avg: $14,676
#17 of 21 Bottom 23.8% in 10B+ tier