America First
Riverdale, UT · Charter 24694 · Peer group: credit unions any (n=25)
NCUA · 122 branches
Q2 2026
$26.0BAssets
$18.4BLoans
$22.7BShares
$2.9BNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions any (rank 1 of 25).
- Widest gap: nonperforming loans / loans trails 80% of credit unions any (rank 21 of 25).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.72%
Rank 4 of 25
Net Interest Margin
3.50%
Rank 7 of 25
Efficiency Ratio
52.30%
Rank 5 of 25
Equity / Assets
11.11%
Rank 10 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.54% | 0.87% | 1.36% | Beats 84% | 4 / 25 | | |
| Return on Equity | 15.45% | 5.49% | 9.20% | 10.99% | Beats 96% | 1 / 25 | | |
| Net Interest Margin | 3.50% | 2.86% | 3.13% | 3.50% | Beats 72% | 7 / 25 | | |
| Efficiency Ratio | 52.30% | 54.62% | 61.07% | 70.28% | Beats 84% | 5 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.64% | 0.92% | 1.30% | Beats 20% | 21 / 25 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.11% | 9.55% | 10.72% | 11.84% | Beats 60% | 10 / 25 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.11% | 9.55% | 10.72% | 11.84% | Beats 60% | 10 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.23% | 81.23% | 88.75% | 93.33% | 24th pctl | 19 / 25 | | |
| Loans / Assets | 70.96% | 68.82% | 78.26% | 79.51% | 28th pctl | 18 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |