AMERICAN FIRST

Charter #68485 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

AMERICAN FIRST has 15 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.5% in tier
  • + Wallet Share Momentum: Top 9.7% in tier
  • + Emerging Performer: Top 14.6% in tier
  • + Organic Growth Engine: Top 15.5% in tier
  • + Relationship Depth Leader: Top 19.0% in tier
  • + Strong member growth: 11.1% YoY
  • + Deposit Growth Rate: Top 2.3% in tier
  • + Share Certificate Concentration (%): Top 3.3% in tier
  • + Asset Growth Rate: Top 3.6% in tier
  • + Member Growth Rate: Top 3.9% in tier
  • + Loan Growth Rate: Top 4.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 4.9% in tier
  • + Total Delinquency Rate (60+ days): Top 6.2% in tier
  • + First Mortgage Concentration (%): Top 6.2% in tier
  • + Average Member Relationship (AMR): Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 7.9% in tier
  • - Liquidity Strain: Bottom 11.6% in tier
  • - Credit Quality Pressure: Bottom 20.4% in tier
  • - Efficiency Drag: Bottom 23.4% in tier
  • - ROA 0.41% below tier average
  • - Efficiency ratio 6.82% above tier (higher cost structure)
  • - Total Members: Bottom 4.3% in tier
  • - Net Interest Margin (NIM): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 48,235
+11.1% YoY+3.2% QoQ
 -50.4K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 3.9% in tier
Assets $1.1B
+15.2% YoY+8.1% QoQ
 $-573.2M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 17.1% in tier
Loans $955.0M
+19.3% YoY+12.5% QoQ
 $-278.1M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $1.0B
+18.3% YoY+8.8% QoQ
 $-444.3M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 19.7% in tier
ROA 0.3%
+23.2% YoY+219.6% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 14.5% in tier
NIM 2.4%
+0.5% YoY-1.5% QoQ
 -0.8% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 7.2% in tier
Efficiency Ratio 80.8%
-3.7% YoY-8.2% QoQ
 +6.8% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 22.4% in tier
Delinquency Rate 0.2%
+33.0% YoY-25.8% QoQ
 -0.6 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 6.2% in tier
Loan To Share 94.5%
+0.8% YoY+3.4% QoQ
 +9.4% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $40,738
+6.9% YoY+7.1% QoQ
 +$12K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 8.6% in tier
CD Concentration 11.7%
-7.5% YoY-1.8% QoQ
 -17.3% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 3.2% in tier
Indirect Auto % 10.3%
-31.0% YoY-15.8% QoQ
 -8.5% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 36th in tier

Signature Analysis

Strengths (5)

Organic Growth Leader

growth
#11 of 138 • Top 2.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 11.11%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth
#71 of 264 • Top 9.7% in tier

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

Why This Signature
AMR Growth (YoY): 6.91%
(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 | New qualifier

Emerging Performer

growth
#78 of 184 • Top 14.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.30%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 11.11%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Engine

growth
#113 of 246 • Top 15.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 11.11%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.30%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.33%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#138 of 264 • Top 19.0% in tier

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

Why This Signature
AMR Growth (YoY): 6.91%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(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 | New qualifier

Concerns (4)

Growth-at-Risk

risk
#45 of 161 • Bottom 7.9% in tier

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

Why This Signature
Loan Growth (YoY): 19.29%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Strain

risk
#62 of 183 • Bottom 11.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.55%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 19.29%
(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 | Rank improving

Credit Quality Pressure

risk
#157 of 217 • Bottom 20.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk
#78 of 96 • Bottom 23.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.79%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 11.11%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

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 (10 metrics)

8
Deposit Growth Rate
growth
Value: 18.32%
Peer Avg: 5.58%
#8 of 304 Top 2.3% in 1B-3B tier
11
Share Certificate Concentration (%)
balance_sheet
Value: 11.65%
Peer Avg: 28.53%
#11 of 304 Top 3.3% in 1B-3B tier
12
Asset Growth Rate
growth
Value: 15.20%
Peer Avg: 4.83%
#12 of 304 Top 3.6% in 1B-3B tier
13
Member Growth Rate
growth
Value: 11.11%
Peer Avg: 2.20%
#13 of 304 Top 3.9% in 1B-3B tier
15
Loan Growth Rate
growth
Value: 19.29%
Peer Avg: 5.27%
#15 of 304 Top 4.6% in 1B-3B tier
16
Loan-to-Member Ratio (LMR)
engagement
Value: $19,798
Peer Avg: $13,213
#16 of 304 Top 4.9% in 1B-3B tier
20
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.83%
#20 of 304 Top 6.2% in 1B-3B tier
20
First Mortgage Concentration (%)
balance_sheet
Value: 14.42%
Peer Avg: 34.01%
#20 of 304 Top 6.2% in 1B-3B tier
26
Average Member Relationship (AMR)
engagement
Value: $40,738
Peer Avg: $29,172
#26 of 304 Top 8.2% in 1B-3B tier
58
AMR Growth Rate
growth
Value: 6.91%
Peer Avg: 3.29%
#58 of 304 Top 18.8% in 1B-3B tier

Top Weaknesses (7 metrics)

292
Total Members
engagement
Value: 48,235
Peer Avg: 98,678
#292 of 304 Bottom 4.3% in 1B-3B tier
282
Net Interest Margin (NIM)
profitability
Value: 2.43%
Peer Avg: 3.26%
#282 of 304 Bottom 7.6% in 1B-3B tier
260
Return on Assets (ROA)
profitability
Value: 0.30%
Peer Avg: 0.70%
#260 of 304 Bottom 14.8% in 1B-3B tier
256
Net Worth Ratio
risk
Value: 9.25%
Peer Avg: 11.44%
#256 of 304 Bottom 16.1% in 1B-3B tier
252
Total Assets
balance_sheet
Value: $1.15B
Peer Avg: $1.72B
#252 of 304 Bottom 17.4% in 1B-3B tier
244
Total Deposits
balance_sheet
Value: $1.01B
Peer Avg: $1.45B
#244 of 304 Bottom 20.1% in 1B-3B tier
237
Efficiency Ratio
profitability
Value: 80.79%
Peer Avg: 73.97%
#237 of 304 Bottom 22.4% in 1B-3B tier