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
Call Report peers
Families and Schools Together in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Families and Schools Together sits in 95-99 with 391 others.
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
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).
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).
- One place up in California, FOOTHILL (#10) scores 98/100, 1 point higher; one place down, Operating Engineers Local Union #3 (#12) ties at 97/100.
Families and Schools Together Call Report trajectory
Families and Schools Together: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $316.7M (2025Q4) to $328.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (19.60% → 19.54%).
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
Families and Schools Together gives up 3 points in total. Loan-to-Share Ratio costs the most, 3.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Families and Schools Together financially healthy?
On its 2025Q4 NCUA 5300 filing, Families and Schools Together scores 97/100 (Excellent), with a 19.54% net worth ratio and 0.45% of loans delinquent. It ranks #139 of 4,374 nationally on health and #11 of 243 in California.
How does Families and Schools Together compare to other credit unions?
Families and Schools Together scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (97.19% vs 72.20%).
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?
Families and Schools Together is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.