Federal credit union · Hanford, California · NCUA charter #9109
Families and Schools Together
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $316.7M
- Total assets
- 18,585
- Members
- 19.5%
- Net-worth ratio
Families and Schools Together - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9109: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Families and Schools Together - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)78
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 19.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.54% | 30% |
| Delinquency Rate | 0.45% | 25% |
| Return on Assets | 2.57% | 15% |
| Member Growth | 5.20% | 15% |
| Loan-to-Share Ratio | 97.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $316.7M | 18,585 |
| 2024Q4 | $292.0M | 17,667 |
| 2023Q4 | $292.5M | 17,657 |
Credit Union Details
- Charter Number
- 9109
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Hanford
- Data Quarter
- 2025Q4
What This Data Says About Families and Schools Together
Families and Schools Together is a federal credit union headquartered in Hanford, California, serving 18,585 members with $316.7M in total assets and $243.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 97/100 (Excellent), anchored by a net worth ratio of 19.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #9109 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.45% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 97.19% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.57% on net income of $8.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.20%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
- SANTA BARBARA TEACHERSSanta Barbara, CA · $100M–$500M84Health
- DOWNEYDOWNEY, CA · $100M–$500M82Health
- STRATABAKERSFIELD, CA · $100M–$500M96Health
- TUCOEMASVISALIA, CA · $100M–$500M86Health
- UMEBurbank, CA · $100M–$500M83Health
Compare Families and Schools Together vs SANTA BARBARA TEACHERS
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Families and Schools Together financially healthy?
Families and Schools Together has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.54% and delinquency rate of 0.45%.
How does Families and Schools Together compare to other credit unions?
PlainCU's health composite puts Families and Schools Together at 97/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Families and Schools Together?
Families and Schools Together operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Families and Schools Together directly for the exact boundaries and application steps.
Is my money safe at Families and Schools Together?
Federal credit unions like Families and Schools Together are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Families and Schools Together's net worth ratio of 19.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Families and Schools Together offer compared to banks?
Credit unions like Families and Schools Together are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Families and Schools Together directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.