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Credit union, Riverdale, UT
America First Credit Union
A credit union based in Riverdale, UT. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.98B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 100
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 459
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $26.0B
- NCUA 5300,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- 801-627-0900 From the NCUA record, June 30, 2026.
- Website
- www.americafirst.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- americafirst.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- AMERICA FIRST; Meadows Financial a division of America First; AMERICA FIRST FEDERAL CREDIT UNION; America First Federal Credit UnionNCUA 5300,
- Address
- 4774 South 1300 West, Building # 3, Riverdale, UT 84405NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. America First Credit Union's Owner-occupied CRE balance rose 103.1% to $1.3B in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 286 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 140.2% to $1.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 69.2% to $1.1B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 101.1% to $275.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | California | SBA 7(a), Full-Service Restaurants | $2.8M | 6.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $2.1M | 6.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Gasoline Stations with Convenience Stores | $2.1M | 6.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), General Automotive Repair | $1.7M | 7.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), All Other Specialty Food Retailers | $1.3M | 6.75% | 26 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Other Services (except Public Administration) | $1M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Offices of Physicians (except Mental Health Specialists) | $970K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $800K | 6.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $500K | 7.25% | 11 yr | SBA FOIA | |
| Jun 2026 | California | SBA 504, Beer, Wine, and Liquor Retailers | $560K | 25 yr | SBA FOIA | ||
| Jun 2026 | Utah | SBA 504, General Automotive Repair | $570K | 25 yr | SBA FOIA | ||
| Apr 2026 | Utah | SBA 504, General Automotive Repair | $1.1M | 25 yr | SBA FOIA | ||
| Apr 2026 | Arizona | SBA 504, Landscaping Services | $1M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Veterinary Services | $1.2M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Wholesale Trade | $480K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Engineering Services | $1.5M | 25 yr | SBA FOIA | ||
| Feb 2026 | Nevada | SBA 504, Other Services (except Public Administration) | $510K | 20 yr | SBA FOIA | ||
| 2025 | Davis County, UT | Refinance, 5 to 24 units | $1.1M | 7.05% | 5 yr | 51% | HMDA 2025 |
| 2025 | Davis County, UT | Refinance, 5 to 24 units | $1.2M | 7.05% | 5 yr | 46% | HMDA 2025 |
| 2025 | Davis County, UT | Refinance, 5 to 24 units | $1.1M | 7.05% | 5 yr | 51% | HMDA 2025 |
| 2025 | Davis County, UT | Refinance, 5 to 24 units | $1.2M | 7.05% | 5 yr | 47% | HMDA 2025 |
| 2025 | Bonneville County, ID | Refinance, 5 to 24 units | $1.8M | 6.25% | 10 yr | 52% | HMDA 2025 |
| 2025 | Pima County, AZ | Improvement, 5 to 24 units | $160K | 7.59% | 2 yr | 50% | HMDA 2025 |
| 2025 | Maricopa County, AZ | Purchase, 25 to 49 units | $2M | 7.07% | 5 yr | 68% | HMDA 2025 |
| 2025 | Utah | Refinance, 5 to 24 units | $2.3M | 5.99% | 10 yr | 75% | HMDA 2025 |
| 294 SBA 7(a) loans since October 2023, net of cancelled | $319M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $134M | 0.7% | +9.2% | 74 | $1.82M |
| Construction and land development | $276M | 1.5% | +101.1% | 91 | $3.03M |
| Owner-occupied CRE | $1.29B | 7.0% | +140.2% | 981 | $1.32M |
| Non-owner-occupied CRE | $1.13B | 6.1% | +69.2% | 402 | $2.81M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $145M | 0.8% | +367.5% | 804 | $180K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $2.98B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.20B |
| Q4 2023 | $1.21B |
| Q1 2024 | $1.28B |
| Q2 2024 | $1.31B |
| Q3 2024 | $1.45B |
| Q4 2024 | $1.48B |
| Q1 2025 | $1.50B |
| Q2 2025 | $1.50B |
| Q3 2025 | $1.54B |
| Q4 2025 | $1.59B |
| Q1 2026 | $1.65B |
| Q2 2026 | $2.98B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 14 | $37.9M | $1.48M | $15M | HMDA, |
| Multifamily, 5 or more units | 2024 | 10 | $30.8M | $2.19M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 773 | $116M | $125K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 294 | $319M | $727K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 97 | $119M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 165 | $272M | $1.09M | $10M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 100 | $262M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 9 | $13.7M | NCUA 5300, | ||
| Construction | First half of 2026 | 20 | $46.7M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 53 | $115M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 17 | $81.6M | NCUA 5300, | ||
| C&I | First half of 2026 | 156 | $10.8M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $3.03M |
| Multifamily | $1.82M |
| Owner-occupied CRE | $1.32M |
| Non-owner-occupied CRE | $2.81M |
| Commercial and industrial | $180K |
| Industry | Loans | Dollars |
|---|---|---|
| Full-Service Restaurants | 25 | $32.3M |
| Child Care Services | 21 | $30.8M |
| Gasoline Stations with Convenience Stores | 14 | $20.5M |
| Snack and Nonalcoholic Beverage Bars | 12 | $5.51M |
| Hotels (except Casino Hotels) and Motels | 11 | $48.4M |
| General Automotive Repair | 11 | $12.2M |
| Wholesale Trade | 11 | $10.0M |
| Limited-Service Restaurants | 10 | $7.52M |
| Manufacturing | 8 | $10.2M |
| Pet Care (except Veterinary) Services | 8 | $8.15M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for child care businesses, SBA lenders for gas stations and convenience stores.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Utah HQ | 95 | 7 | 543 | 92 | 44 |
| Nevada | 23 | 0 | 165 | 64 | 24 |
| Arizona | 9 | 3 | 48 | 73 | 18 |
| California | 1 | 0 | 0 | 13 | 46 |
| Idaho | 2 | 4 | 13 | 16 | 0 |
| New Mexico | 1 | 0 | 4 | 1 | 0 |
| Colorado | 0 | 0 | 0 | 5 | 6 |
| Texas | 0 | 0 | 0 | 6 | 5 |
| Oregon | 0 | 0 | 0 | 0 | 8 |
| Florida | 0 | 0 | 0 | 3 | 3 |
| Georgia | 0 | 0 | 0 | 3 | 3 |
| Montana | 0 | 0 | 0 | 3 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Davis County, UT | 5 | $6.63M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Ogden, UT | 5 | $6.63M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $3.18B | $1.75B to $2.80B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $2.87B | $756M to $2.78B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 90.0% | 29.7% to 122.1% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $433M | $186M to $394M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 53.4% | 22.1% to 96.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 71.0% | 65.6% to 88.7% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 286 loans (97.3%)
- Approval to first disbursement
- 14 days, median of 272
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Mountain America Credit Union | UT | $22.9B | $2.50B |
| Suncoast Credit Union | FL | $20.8B | $734M |
| Idaho Central Credit Union | ID | $15.5B | $1.91B |
| Vystar Credit Union | FL | $14.3B | $1.01B |
| Randolph-Brooks Credit Union | TX | $19.6B | $1.00B |
| Lake Michigan Credit Union | MI | $17.3B | $2.19B |
| Wings Credit Union | CO | $19.4B | $2.72B |
| Security Service Credit Union | TX | $14.4B | $1.54B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. America First Credit Union, NCUA charter 24694. Compare it with the regulator's record. [NCUA profile]
- Balances. $26.0B in total assets and $2.98B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 100 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 1,256 loans in HMDA and SBA files, through September 30, 2026: 14 HMDA multifamily 2025, 10 HMDA multifamily 2024, 773 HMDA 1-4 unit investor 2025, 294 SBA 7(a) in 36 months, 165 SBA 504 first liens in 36 months. [How each file was tied to America First Credit Union]
- Phone and website. Phone 801-627-0900, from the NCUA record. Website americafirst.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24694
- RSSD
- 277697
- LEI
- 5493007I0X1GRWIU8B34
- The Lender Report ID
- lr_000092
- Main office county
- Weber
- Members
- 1,612,780
- NCUA region
- 8 - ONES
NCUA credit union details,
- Reported $26B in total assets as of June 30, 2026 (NCUA 5300).
- Held $3B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $1.3B of owner-occupied commercial real estate loans as of June 30, 2026, up 140.2% from a year earlier (NCUA 5300).
- Held $1.1B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 69.2% from a year earlier (NCUA 5300).
- Held $275.7M of construction and land loans as of June 30, 2026, up 101.1% from a year earlier (NCUA 5300).
- Originated 14 multifamily loans totaling $37.9M in 2025 (HMDA).
8 more sentences
- Originated 10 multifamily loans totaling $30.8M in 2024 (HMDA).
- Originated 773 1-4 unit investor or business-purpose loans totaling $116.5M in 2025 (HMDA).
- Recorded 320 SBA 7(a) approvals totaling $344.1M from October 1, 2023 to September 30, 2026, of which 26 were later cancelled (SBA).
- Provided the first lien on 168 SBA 504 projects with $274.7M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 3 were later cancelled (SBA).
- Originated 100 real-estate-secured commercial loans totaling $261.9M in the first half of 2026 (NCUA 5300).
- Bought $28.6M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $78.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 131 offices in 6 states (NCUA).
Cite this
Source: The Lender Report, America First Credit Union, https://lender.report/lender/america-first-credit-union-ut/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at America First Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem