TellerScore

American United Federal Credit Union (NCUA charter #8187) is based in West Jordan, Utah. Its Q2 2026 call report shows $382.7M in total assets and $337.3M in member shares and deposits and 4 offices across 2 states.

Based on its Q2 2026 filing, American United Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 43rd. Its strongest component is problem-loan coverage (82/100; 9.2%), and its lowest is earnings (36/100; 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.48%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.25%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity73/100
Loans ÷ shares: 87.6% · 8.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.21%

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 2 points (58 → 60), mostly because the loan quality component weakened by 6 points.

TellerScore
505661Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202452
Q4 202450
Q1 202556
Q2 202558
Q3 202558
Q4 202561
Q1 202659
Q2 202660
Net worth ratio
7.00%9.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.68%
Q3 202411.26%
Q4 202411.07%
Q1 202511.00%
Q2 202510.97%
Q3 202510.92%
Q4 202511.33%
Q1 202611.02%
Q2 202611.48%
Delinquent loans (60+ days)
0.93%1.09%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.93%
Q3 20241.19%
Q4 20241.25%
Q1 20251.23%
Q2 20251.09%
Q3 20251.07%
Q4 20251.06%
Q1 20261.05%
Q2 20261.25%
Return on assets
-0.64%-0.07%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.64%
Q3 2024-0.38%
Q4 2024-0.49%
Q1 20250.22%
Q2 20250.26%
Q3 20250.33%
Q4 20250.51%
Q1 20260.24%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$382.7M11.48%1.25%0.39%87.6%
Q1 202659$394.2M11.02%1.05%0.24%88.2%
Q4 202561$381.4M11.33%1.06%0.51%93.8%
Q3 202558$387.8M10.92%1.07%0.33%91.4%
Q2 202558$381.9M10.97%1.09%0.26%91.7%
Q1 202556$378.2M11.00%1.23%0.22%92.5%
Q4 202450$373.9M11.07%1.25%-0.49%94.8%
Q3 202452$375.7M11.26%1.19%-0.38%95.1%
Q2 202453$394.3M10.68%0.93%-0.64%91.1%

1,341 peers · $100 million – $1 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 ratio11.48%
51st
Problem loans1.25%
20th
Net charge-offs1.00%
10th
Return on assets0.39%
23rd
Loans to deposits87.6%
21st
Uninsured deposits8.3%
26th
Loan-loss reserves0.00%
50th
Texas ratio9.2%
16th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Alpine Federal Credit UnionCredit union Orem, UT66 out of 100, Moderate$362.9M10.3%1.00%vs
Jordan Federal Credit UnionCredit union South Jordan, UT68 out of 100, Moderate$424.5M9.2%0.34%vs
Elevate Federal Credit UnionCredit union Brigham City, UT94 out of 100, Very strong$260.3M20.9%0.24%vs
Eastern Utah Community Federal Credit UnionCredit union Price, UT81 out of 100, Strong$219.2M14.1%0.74%vs
Members First Credit UnionCredit union Brigham City, UT95 out of 100, Very strong$209.1M14.9%0.43%vs
Horizon Utah Federal Credit UnionCredit union Farmington, UT64 out of 100, Moderate$185.2M11.5%0.91%vs

Deposit insurance

Is my money safe at American United Federal Credit Union?

Yes. American United Federal Credit Union is a federally insured credit union (NCUA charter #8187). 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 8.3% of shares and deposits ($28.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.48%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

American United Federal Credit Union lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American United Federal Credit Union reported 221 home-loan applications under HMDA (LEI 549300FJHIE3T5GJRI39): 109 originated ($14,835,000 total), 92 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 45.5%, 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 United Federal Credit Union
Type
Federal credit union
NCUA charter #
8187
RSSD ID
515287
Primary regulator
NCUA
Established
1952
Headquarters
2687 W 7800 S, West Jordan, UT 84088
Employees
96

Quick answers

American United Federal Credit Union: common questions

Is American United Federal Credit Union NCUA insured?

Yes. American United Federal Credit Union is a federally insured credit union (NCUA charter #8187). 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 United Federal Credit Union's TellerScore?

60 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 United Federal Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

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