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Overview / Commentary
700 N Harbor Blvd
La Habra, CA 90631

American First Credit Union is headquartered in La Habra and is the 71st largest credit union in the state of California. It is also the 441st largest credit union in the nation. It was established in 1989 and as of December of 2013, it had grown to 112 employees and 38,521 members. American First Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Orange County, Corona, Chino Hills, Artesia, Bellflower, Cerritos, Hawaiian Garden, La Habra Heights, La Mirada, Lakewood, Long Beach, Montebello, Norwalk, Pico Rivera, Santa Fe Springs, Signal Hill or Whittier. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 American First Credit Union had $4.65 million in non-current loans and owned real-estate with $52.88 million in equity and loan loss allowances on hand to cover it. This gives American First Credit Union a Texas Ratio of 8.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American First Credit Union decreased dramatically from 19.93% as of December 31, 2012 to 8.79% as of December 31, 2013, resulting in a positive change of 55.90%.This indicates that the balance sheet and financial strength for American First Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, American First Credit Union has decreased its total deposits by -$12.46 million, resulting in -2.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American First Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American First Credit Union has $495.84 million in assets with $52.88 million in equity, resulting in a capitalization level of 10.66%, which is above average.

Institution Statistics

NCUA #68485
Year Chartered1989
Primary Regulator
Assets and Liabilities
Assets$495.84 million
Loans$255.63 million
Deposits$445.46 million
Equity Capital$47.00 million
Loan Loss Allowance$5.88 million
Unbacked Noncurrent Loans$4.42 million
Real Estate Owned$230,000
Historic Data - December 2012
Assets$500.70 million
Equity Capital$39.10 million
Loan Loss Allowance$13.34 million
Unbacked Noncurrent Loans$4.42 million
Real Estate Owned$1.52 million
Profit Margin - Quarterly
Net Interest Margin4.35%
Return on Assets1.84%
Return on Equity19.39%
Interest Income$14.36 million

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American First Credit Union Savings Account Rates

0.30%--Safari Club
0.30%--Start Smart
0.30%--Holiday Club
0.25%$500-IRA Savings
0.25%$500-Roth IRA Savings
0.25%$500-CESA Savings
0.10%$3k-Goal Setter

American First Credit Union Money Market Rates

0.40%$100k-Premium Money Market
0.20%$2,500-Money Market

American First Credit Union Checking Account Rates

0.30%$25k-Earnings Rewards Checking
0.00%--Personal Rewards Checking

American First Credit Union CD Rates

1.56%$1k-60 Month Share Certificate
1.41%$1k-48 Month Share Certificate
1.11%$1k-36 Month Share Certificate
0.70%$1k-24 Month Share Certificate
0.50%$1k-12 Month Share Certificate
0.40%$1k-6 Month Share Certificate
0.30%$1k-3 Month Share Certificate

American First Credit Union IRA Rates

1.56%$1k-60 Month IRA Certificate (Traditional,Roth,CESA)
1.41%$1k-48 Month IRA Certificate (Traditional,Roth,CESA)
1.11%$1k-36 Month IRA Certificate (Traditional,Roth,CESA)
0.70%$1k-24 Month IRA Certificate (Traditional,Roth,CESA)
0.50%$1k-12 Month IRA Certificate (Traditional,Roth,CESA)
0.40%$1k-6 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$1k-3 Month IRA Certificate (Traditional,Roth,CESA)

American First Credit Union Locations
Branch Office13265 Jamboree RdTustin, CA 92782
Branch Office700 N Harbor BlvdLa Habra, CA 90631
Branch Office6011 Lincoln Ave Ste BBuena Park, CA 90620
Branch Office247 E Katella AveOrange, CA 92867-4853