Charter 24694 · Riverdale, UT
America First Federal Credit Union
America First Federal Credit Union is a federally chartered credit union in Riverdale, Utah, with $26.0 billion in assets and 1,588,687 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.80%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Meadows Financial a division of America First.
- Total assets
- $26.0 billion
- +13.5% in a year
- Members
- 1,588,687
- +4.9% in a year
- Net worth ratio
- 11.80%
- Peer median 10.79%
- Loans 60+ days late
- 1.45%
- Peer median 0.67%
- Loans outstanding
- $18.4 billion
- +15.3% in a year
- Shares and deposits
- $22.7 billion
- +12.9% in a year
- Branches
- 123
- 3,736 employees
- Opened
- 1939
- Federal charter
How America First Federal Credit Union compares
NCUA groups credit unions by size; America First Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.80% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.45%, is higher than the group median of 0.67%. Loans grew 15.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 1 of 51 credit unions headquartered in Utah. See all Utah credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $26.0 billion | 1,588,687 | $18.4 billion | 11.80% | 1.45% |
| Q1 2026 | $24.7 billion | 1,552,965 | $16.7 billion | 11.61% | 1.34% |
| Q4 2025 | $23.8 billion | 1,554,689 | $16.7 billion | 11.51% | 1.58% |
| Q3 2025 | $23.3 billion | 1,537,194 | $16.4 billion | 11.46% | 1.28% |
| Q2 2025 | $22.9 billion | 1,514,794 | $16.0 billion | 11.26% | 1.24% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 15 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 131 sites for America First Federal Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Building 3 - Management Center (main office)
4774 S 1300 W Bldg 3, Riverdale, UT 84405 - Building 2 - Commercial Center
4646 S 1500 W Bldg 2, Riverdale, UT 84405 - Building 4 - Data Center
4661 S Cozy Dale Dr, Riverdale, UT 84405 - Building 1 - Operations Center
1344 W 4675 S Bldg 1, Riverdale, UT 84405 - Building 5 - Service Center
4051 S 1900 W Bldg 5, Roy, UT 84067 - Sandy Training Center
230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070 - American Fork
611 W Pacific Dr, American Fork, UT 84003 - Bountiful
48 N 500 W, Bountiful, UT 84010 - Bountiful Dick's Market
2280 S Orchard Dr, Bountiful, UT 84010 - Brigham City
1124 S 450 W, Brigham City, UT 84302 - Centerville
451 W Parrish Ln, Centerville, UT 84014 - Clearfield 1700 South
756 W 1700 S, Clearfield, UT 84015 - West Point Smith's
217 N 2000 W, West Point, UT 84015 - Clinton
1724 N 2000 W, Clinton, UT 84015 - Cottonwood
6924 S 2300 E, Salt Lake City, UT 84121 - Draper
520 E 12300 S, Draper, UT 84020 - Harrisville
358 N Harrisville Rd, Ogden, UT 84404 - Holladay Millcreek
4519 S 1300 E, Millcreek, UT 84117 - Hyrum Ridley's
780 E Main St, Hyrum, UT 84319 - Hurricane Walmart
180 N 3400 W, Hurricane, UT 84737 - Kaysville Bowman's
326 N Main St, Kaysville, UT 84037 - Kearns
5219 S 4015 W, Kearns, UT 84118 - Kearns Harmons
4874 W 6200 S, Kearns, UT 84118 - Layton Fort Lane
172 N Fort Ln, Layton, UT 84041 - Layton Heritage
425 Heritage Park Blvd, Layton, UT 84041 - Mesquite
590 W Mesquite Blvd, Mesquite, NV 89027 - Mesquite Walmart
1120 W Pioneer Blvd, Mesquite, NV 89027 - North Ogden
2575 N 400 E, North Ogden, UT 84414 - North Ogden Lee's Market
2645 N 400 E, North Ogden, UT 84414 - Ogden Harrison
4768 Harrison Blvd, Ogden, UT 84403 - Ogden Main
3650 Wall Ave, Ogden, UT 84405 - Orem
1356 S Main St, Orem, UT 84058 - Orem Harmons
868 E 800 N, Orem, UT 84097 - Plain City
2336 N 4350 W, Plain City, UT 84404 - Pleasant Grove Macey's
931 W State Rd, Pleasant Grove, UT 84062 - Providence Macey's
50 N Highway 165, Providence, UT 84332 - Riverton
3583 W 12600 S, Riverton, UT 84065 - Roy
5662 S 2050 W, Roy, UT 84067 - Roy Harmons
5370 S 1900 W, Roy, UT 84067 - Roy Kent's Marketplace
3535 W 5600 S, Roy, UT 84067
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology