Federal credit union · Hanford, California · NCUA charter #9109
Families and Schools Together
Health score 97/100, grade A (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 scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $316.7M; members 18,585; net-worth ratio 19.54%; health rank #139 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#139 of 4,374 health · 2025Q4Families and Schools Togeth… · health 97/100 · $316.7M · 2025Q4
- NCUSIF 97/100
- CAMELS 19.5%
- HEALTH 0.45%
- NW 2.57%
- DELQ $316.7M
- ROA 18,585
- ASSETS #139/4,374
- MEM TRUGROCER
- RANK 9109
Call Report peers
Families and Schools Together in the assets neighbourhood
Families and Schools Together's $316.7M assets sit next to TRUGROCER ($316.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Families and Schools Together vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Families and Schools Together diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 97.19% vs peer 72.20% (+24.99 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Families and Schools Together
- California health ordinal: #11 of 243.
- California assets place: #107 of 243.
- Membership ranks #105 of 243 among California CUs with a reported count (18,585 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Families and Schools Together Call Report trajectory
Families and Schools Together: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $316.7M (2025Q4) to $328.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (19.60% → 19.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.0 pts
Families and Schools Together vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.54% | +7.43 pp |
| Delinquency Rate | 0.45% | -0.45 pp |
| Return on Assets | 2.57% | +1.94 pp |
| Member Growth | 5.20% | - |
| Loan-to-Share Ratio | 97.19% | +24.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $328.1M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Families and Schools Together runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| FAST PLAZA (Main Office) | Hanford, CA |
| Avenal Branch | Avenal, CA |
| Lemoore Branch | Lemoore, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$500M84Health
- STRATABAKERSFIELD, CA · $100M–$500M96Health
- TUCOEMASVISALIA, CA · $100M–$500M86Health
- UMEBurbank, CA · $100M–$500M84Health
Compare Families and Schools Together vs SANTA BARBARA TEACHERS
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Families and Schools Together, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($316.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Families and Schools Together ranks #139 of 4,374 nationally on financial health and #11 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Santa Barbara Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Santa Barbara Teachers
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #139 of 4,374; by total assets it ranks #1,008 of 4,374 nationally (same basis as /rankings/largest); and #107 of 243 within California. 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.
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.