Charter 24534 · Birmingham, AL

America's First Federal Credit Union

America's First Federal Credit Union is a federally chartered credit union in Birmingham, Alabama, with $2.79 billion in assets and 195,624 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.25%, well above the 7% that NCUA's rules treat as well capitalized.

Also does business as America's First Financial, Amfirst.

Total assets: $2.79 billion; +6.9% in a year
Members: 195,624; +0.3% in a year
Net worth ratio: 12.25%; Peer median 10.79%
Loans 60+ days late: 0.77%; Peer median 0.67%
Loans outstanding: $2.20 billion; +2.7% in a year
Shares and deposits: $2.42 billion; +6.0% in a year
Branches: 23; 468 employees
Opened: 1936; Federal charter

How America's First Federal Credit Union compares

NCUA groups credit unions by size; America's First Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.25% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.77%, is higher than the group median of 0.67%. Loans grew 2.7% over the year to Q2 2026, against a group median of 5.3% growth.

By assets it ranks 4 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.

Five quarters of figures

Quarter	Assets	Members	Loans	Net worth ratio	60+ days late
Q2 2026	$2.79 billion	195,624	$2.20 billion	12.25%	0.77%
Q1 2026	$2.74 billion	195,131	$2.16 billion	12.01%	0.77%
Q4 2025	$2.69 billion	194,683	$2.17 billion	12.05%	0.94%
Q3 2025	$2.63 billion	195,598	$2.17 billion	12.09%	0.78%
Q2 2025	$2.60 billion	195,129	$2.14 billion	11.75%	0.83%

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 1.6 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 22 sites for America's First Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.

Inverness Branch
2 Inverness Center Pkwy, Hoover, AL 35242
Ensley Branch
1819 20Th Street Ensley, Birmingham, AL 35218
Leeds Branch
1795 Ashville Rd, Leeds, AL 35094
Anniston/Oxford Branch
31 Commons Way, Oxford, AL 36203
Bessemer Branch
2131 19Th St N, Bessemer, AL 35020
Cullman Branch
300 4Th Ave Sw, Cullman, AL 35055
Main Office (main office)
1200 4Th Ave N, Birmingham, AL 35203
Forestdale Branch
1918 Veterans Memorial Dr, Birmingham, AL 35214
Gardendale Branch
1039 Mount Olive Rd, Gardendale, AL 35071
Hoover Branch
3312 Old Columbiana Rd, Hoover, AL 35226
Hueytown Branch
3052 Allison Bonnett Memorial Dr, Hueytown, AL 35023
Lakeshore Branch
110 Frankfurt Cir, Birmingham, AL 35211
McCalla Branch
4740 Eastern Valley Rd, Mc Calla, AL 35111
Mobile Branch
1050 Montlimar Dr, Mobile, AL 36609
Roebuck Branch
724 Crow Dr, Birmingham, AL 35215
Talladega Branch
729 Battle St E, Talladega, AL 35160
Trussville Branch
1910 Gadsden Hwy, Birmingham, AL 35235
Pelham Branch
10 Racquet Club Pkwy, Pelham, AL 35124
Vestavia Branch
1112 Montgomery Hwy, Vestavia Hills, AL 35216
Calera Branch
108 County Road 304, Calera, AL 35040
Pell City Branch
2051 Martin St S, Pell City, AL 35128
Jacksonville Campus Branch
802 Pelham Road North, Jacksonville, AL 36265

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