AMERICA'S FIRST Credit Union Profile

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AMERICA'S FIRST

Charter #24534 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (205) 320-4185

Fax: (205) 320-7042

Founding Date: N/A

Website: http://www.amfirst.org

Personnel & Operations

President: Mitchell, Ross

Manager: Morris, Kevin

FT Employees: 427

PT Employees: 22

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 22

Hours: 9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 p

Credit Union Profile Summary

AMERICA'S FIRST is a FCU Credit Union. With a total of 195,129 members ^[1], this institution manages approximately $2,604,748,429 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.75% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.36% ^[1].

Financial Snapshot

Total Assets ^[1]

$2,604,748,429

Total economic resources.

Total Loans ^[1]

$2,138,933,758

Total value of outstanding loans.

Total Deposits ^[1]

$2,278,702,552

Total funds deposited by members.

Members ^[1]

195,129

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.75%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.41%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

93.87%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.78%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 9.36%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -0.74%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1200 4th Ave N

Birmingham, AL, 35203-1631

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 21 branches reported by AMERICA'S FIRST (Charter #24534).

Main Office

Main Office Main Office

Type: Corporate Office

1200 4th Ave N

Birmingham, AL 35203-1631

Phone: (205) 320-4185

Services: Member Services, ATM, Drive-Thru

AMERICA'S FIRST Credit Union Profile

AMERICA'S FIRST

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Main Office Main Office

Additional Branches

Bessemer

Birmingham

Calera

Cullman

Gardendale

Hoover

Hueytown

Leeds

Mc Calla

Mobile

Oxford

Pelham

Pell City

Talladega

Vestavia Hills