Credit union
American United Federal Credit Union
West Jordan, Utah, Salt Lake County, UT
$383M in total assets and 20,915 members, the 903rd largest of 4,298 US credit unions and 13th of 51 headquartered in Utah.
- NCUA charter
- 8187
- Charter
- Federal
- Chartered
- 1952
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - other
- Low-income designation
- Yes
- Website
- https://www.amucu.org
At a glance
Compared with 12 federally insured credit unions in Utah with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $383M | 75% | $214M | |
| Loans | $295M | 83% | $139M | |
| Deposits (shares) | $337M | 75% | $182M | |
| Members | 20,915 | 75% | 13,104 | |
| Return on assets | 0.39% | 8% | 0.88% | |
| Net interest income to assets | 3.95% | 92% | 3.21% | |
| Efficiency ratio | 78.6% | 75% | 71.1% | |
| Net worth ratio | 11.48% | 58% | 10.45% | |
| Loans to shares | 88% | 67% | 77% | |
| Cost of deposits | 2.10% | 50% | 2.06% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 7.4% a year over 10 years and 1.8% a year over the last 5, including 3 mergers in the last 10 years. Membership fell 3.2% a year over 5 years, to 20,915.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Feb 2019 | Sunnyside Credit Union Credit union, Sunnyside, UT | $2M |
| Jul 2018 | The Credit Union for the Blind and Credit union, Salt Lake City, UT | $885K |
| Feb 2018 | Midvalley Federal Credit Union Credit union, Murray, UT | $4M |
| Apr 2016 | Grantsville Federal Credit Union Credit union, Grantsville, UT | $4M |
| Aug 2014 | Deseret News Emp. Credit Union Credit union, Salt Lake City, UT | $2M |
| Oct 2013 | Newspaper Employees Credit Union Credit union, Kearns, UT | $6M |
| Jul 2012 | Credit Union One Credit union, West Jordan, UT | $58M |
| Apr 2011 | Salt Lake City V A F Federal Credit Union Credit union, Salt Lake City, UT | $415K |
| Nov 2010 | Big Valley Credit Union Credit union, Draper, UT | $1M |
Where they operate
11 branches in 4 counties.
1 of 11 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Salt Lake County, UT | 6 | 1.5% | 16 of 96 |
| Riverside County, CA | 3 | 0.9% | 18 of 43 |
| Carbon County, UT | 1 | 10.0% | 3 of 8 |
| Tooele County, UT | 1 | 8.3% | 3 of 9 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 11 | |
| 2017 | 11 | 0 |
| 2018 | 11 | 0 |
| 2019 | 11 | 0 |
| 2020 | 10 | −1 |
| 2021 | 10 | 0 |
| 2022 | 10 | 0 |
| 2023 | 11 | +1 |
| 2024 | 11 | 0 |
| 2025 | 11 | 0 |
| Jun 2026 | 11 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.25% | 0.82% |
| Net worth ratio | 11.48% | 10.45% |
| Loans to shares | 88% | 77% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Utah
Most branches in Salt Lake County, UT
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.