TellerScore

American First Credit Union is a federally insured state-chartered credit union headquartered in Brea, California, in business for about 37 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in member shares and deposits, with 3 offices.

American First Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 128th. Problem-loan coverage contributes the most (97/100, 1.6%); capital cushion contributes the least (51/100, 10.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.09%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity62/100
Loans ÷ shares: 98.6% · 2.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (61 → 68), mostly because the earnings component improved by 28 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202463
Q1 202564
Q2 202561
Q3 202562
Q4 202567
Q1 202670
Q2 202668
Net worth ratio
7.00%8.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.30%
Q3 202410.43%
Q4 202410.35%
Q1 202510.45%
Q2 20259.82%
Q3 20259.25%
Q4 202510.69%
Q1 202610.33%
Q2 202610.09%
Delinquent loans (60+ days)
0.09%0.25%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.18%
Q4 20240.41%
Q1 20250.09%
Q2 20250.32%
Q3 20250.24%
Q4 20250.15%
Q1 20260.12%
Q2 20260.16%
Return on assets
-0.12%0.35%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.24%
Q4 20240.19%
Q1 2025-0.12%
Q2 20250.09%
Q3 20250.29%
Q4 20250.39%
Q1 20260.81%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.4B10.09%0.16%0.80%98.6%
Q1 202670$1.3B10.33%0.12%0.81%96.6%
Q4 202567$1.2B10.69%0.15%0.39%97.2%
Q3 202562$1.1B9.25%0.24%0.29%94.5%
Q2 202561$1.1B9.82%0.32%0.09%91.4%
Q1 202564$988.2M10.45%0.09%-0.12%91.3%
Q4 202463$1.0B10.35%0.41%0.19%90.6%
Q3 202465$995.1M10.43%0.18%0.24%93.8%
Q2 202465$1.0B10.30%0.17%0.27%95.1%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.09%
31st
Problem loans0.16%
97th
Net charge-offs0.28%
78th
Return on assets0.80%
49th
Loans to deposits98.6%
19th
Uninsured deposits2.5%
96th
Loan-loss reserves0.00%
50th
Texas ratio1.6%
91st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Los Angeles Police Federal Credit UnionCredit union Van Nuys, CA70 out of 100, Strong$1.4B11.3%0.51%vs
Farmers Insurance Federal Credit UnionCredit union Los Angeles, CA49 out of 100, Below average$1.3B9.9%1.57%vs
Pacific Service Credit UnionCredit union Concord, CA82 out of 100, Strong$1.3B15.5%0.35%vs
Adelfi Credit UnionCredit union San Dimas, CA74 out of 100, Strong$1.4B12.8%0.87%vs
Southland Credit UnionCredit union Los Alamitos, CA49 out of 100, Below average$1.3B8.6%1.48%vs
Rize Federal Credit UnionCredit union El Monte, CA54 out of 100, Below average$1.3B10.4%0.89%vs

Deposit insurance

Is my money safe at American First Credit Union?

Yes. American First Credit Union is a federally insured credit union (NCUA charter #68485). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($29.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.09%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

American First Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American First Credit Union reported 195 home-loan applications under HMDA (LEI 549300GIVX5W7UETD809): 117 originated ($37,265,000 total), 50 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American First Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68485
RSSD ID
452186
Primary regulator
State + NCUA
Established
1989
Headquarters
6 Pointe Dr Ste 400, Brea, CA 92821
Employees
127

Quick answers

American First Credit Union: common questions

Is American First Credit Union NCUA insured?

Yes. American First Credit Union is a federally insured credit union (NCUA charter #68485). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is American First Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does American First Credit Union have?

3 offices as of the latest NCUA data.