PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

America First

Riverdale, UT · Charter 24694

NCUA · 122 branches

Q2 2026

$26.0BAssets
$18.4BLoans
$22.7BShares
$2.9BNet Worth

Executive Summary

  • Earnings: ROA of 1.72%, up 36 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.45% of loans (+21 bps YoY).
  • Capital: net worth / assets of 11.11%, up 21 bps from a year ago.
  • Funding: loans stand at 81.23% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.72%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-3 bps YoY

Efficiency Ratio (YTD, annualized)

52.30%-265 bps YoY

Net Worth / Assets

11.11%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.10%1.36%1.36%1.46%1.41%1.39%1.72%+36 bps
Return on Equity9.81%10.21%12.68%12.45%13.14%12.59%12.53%15.45%+300 bps
Net Interest Margin3.26%3.29%3.44%3.53%3.55%3.55%3.54%3.50%-3 bps
Efficiency Ratio58.54%57.75%55.55%54.95%53.65%54.51%55.65%52.30%-265 bps
Growth
Asset Growth (YoY)11.62%12.34%11.29%10.25%9.23%9.43%9.53%13.52%+327 bps
Loan Growth (YoY)8.40%7.36%6.82%7.62%7.55%7.74%7.61%15.29%+768 bps
Share Growth (YoY)11.77%12.31%10.94%9.69%8.35%8.59%8.84%12.93%+324 bps
Asset Quality
Delinquent Loans / Loans1.17%1.33%1.20%1.24%1.28%1.58%1.34%1.45%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.67%10.76%10.70%10.89%11.12%11.20%11.12%11.11%+21 bps
Net Worth / Assets10.67%10.76%10.70%10.89%11.12%11.20%11.12%11.11%+21 bps
Liquidity & Funding
Loans / Shares80.98%80.80%78.35%79.57%80.38%80.16%77.46%81.23%+167 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps