TellerScore

Headquartered in Casa Grande, Arizona, First American Credit Union is a federally insured state-chartered credit union with $120.0M in total assets and $103.0M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1962.

First American Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in Arizona, it ranks 9th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (59/100, 0.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.68%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity74/100
Loans ÷ shares: 50.2% · 38.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.11%

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 fell 6 points (84 → 78), mostly because the earnings component weakened by 30 points.

TellerScore
758186Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202481
Q4 202479
Q1 202586
Q2 202584
Q3 202579
Q4 202582
Q1 202679
Q2 202678
Net worth ratio
7.00%10.20%13.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.56%
Q3 202411.51%
Q4 202411.52%
Q1 202512.08%
Q2 202512.82%
Q3 202513.39%
Q4 202512.98%
Q1 202613.31%
Q2 202612.68%
Delinquent loans (60+ days)
0.13%0.60%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.22%
Q4 20240.25%
Q1 20250.13%
Q2 20250.32%
Q3 20251.08%
Q4 20250.43%
Q1 20260.35%
Q2 20260.33%
Return on assets
0.88%1.46%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.57%
Q3 20241.80%
Q4 20241.62%
Q1 20252.04%
Q2 20251.71%
Q3 20251.69%
Q4 20251.41%
Q1 20260.88%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$120.0M12.68%0.33%0.97%50.2%
Q1 202679$111.8M13.31%0.35%0.88%55.9%
Q4 202582$112.7M12.98%0.43%1.41%59.6%
Q3 202579$107.9M13.39%1.08%1.69%65.1%
Q2 202584$109.4M12.82%0.32%1.71%66.6%
Q1 202586$113.1M12.08%0.13%2.04%64.9%
Q4 202479$113.6M11.52%0.25%1.62%66.2%
Q3 202481$111.1M11.51%0.22%1.80%69.3%
Q2 202475$115.5M10.56%0.27%1.57%69.2%

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 ratio12.68%
66th
Problem loans0.33%
80th
Net charge-offs0.81%
16th
Return on assets0.97%
64th
Loans to deposits50.2%
90th
Uninsured deposits38.4%
0th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Coconino Federal Credit UnionCredit union Flagstaff, AZ77 out of 100, Strong$126.0M10.9%0.09%vs
Pyramid Federal Credit UnionCredit union Tucson, AZ59 out of 100, Moderate$247.9M10.6%1.51%vs
Landings Credit UnionCredit union Tempe, AZ71 out of 100, Strong$263.2M10.7%0.79%vs
Pinal County Federal Credit UnionCredit union Casa Grande, AZ68 out of 100, Moderate$338.8M9.9%0.53%vs
Aero Federal Credit UnionCredit union Glendale, AZ79 out of 100, Strong$364.4M12.0%0.11%vs
Avenir Financial Federal Credit UnionCredit union Yuma, AZ72 out of 100, Strong$400.9M12.8%0.39%vs

Deposit insurance

Is my money safe at First American Credit Union?

Yes. First American Credit Union is a federally insured credit union (NCUA charter #64412). 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 38.4% of shares and deposits ($39.6M) 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 12.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

First American Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

  • Sells, AZ (1)
  • Tse Bonito, NM (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First American Credit Union reported 32 home-loan applications under HMDA (LEI 254900DRVHTCSSS62054): 19 originated ($765,000 total), 12 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 38.7%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
First American Credit Union MasterCard Rewards Card3.99% – 18.99%$25$251.0%

All First American Credit Union card terms

Identity & history

Profile

Legal name
First American Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64412
RSSD ID
475792
Primary regulator
State + NCUA
Established
1962
Headquarters
1001 N Pinal Ave, Casa Grande, AZ 85122
Employees
33

Quick answers

First American Credit Union: common questions

Is First American Credit Union NCUA insured?

Yes. First American Credit Union is a federally insured credit union (NCUA charter #64412). 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 First American Credit Union's TellerScore?

78 out of 100 (Strong), 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 First American Credit Union have?

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