Federal credit union · Spring Hill, Tennessee · NCUA charter #24603
Family Advantage
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $91.1M
- Total assets
- 7,224
- Members
- 9.2%
- Net-worth ratio
Family Advantage scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $91.1M; members 7,224; net-worth ratio 9.24%; health rank #3,834 of 4,374; healthier than 12th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,834 of 4,374 health · 2025Q4Family Advantage · health 66/100 · $91.1M · 2025Q4
- RANK 66/100
- PHOTO 9.2%
- BOOK 1.62%
- CHARTER 0.14%
- NCUSIF $91.1M
- CAMELS 7,224
- HEALTH #3,834/4,374
- NW Traverse Catholic
- DELQ 24603
Call Report peers
Family Advantage in the assets neighbourhood
Family Advantage's $91.1M assets sit next to Traverse Catholic ($91.0M) 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.
Family Advantage 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
66 12th percentile higher than 12% 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
Family Advantage - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24603 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Family Advantage
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.43 pp (50.17% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Family Advantage sits in Tennessee
- Health composite ranks #115 of 127 among scored Tennessee credit unions.
- By total assets, Family Advantage is #44 of 127 in Tennessee.
- Membership ranks #41 of 127 among Tennessee CUs with a reported count (7,224 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Family Advantage
Family Advantage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $91.1M (2025Q4) to $91.3M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.41% → 9.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 15.4 pts
- Return on Assets 9.5 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.24% | -4.38 pp |
| Delinquency Rate | 1.62% | +0.65 pp |
| Return on Assets | 0.14% | -0.52 pp |
| Member Growth | -3.56% | - |
| Loan-to-Share Ratio | 50.17% | -12.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Family Advantage quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $91.3M | - |
| 2025Q4 | $91.1M | 7,224 |
| 2024Q4 | $96.8M | 7,491 |
| 2023Q4 | $86.0M | 7,377 |
Credit Union Details
- Charter Number
- 24603
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Spring Hill
- Data Quarter
- 2025Q4
Branch Locations (4)
Family Advantage operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Family Advantage F.C.U. (Main Office) | Spring Hill, TN |
| Columbia Branch | Columbia, TN |
| Fairview Branch | Fairview, TN |
| Hohenwald Branch | Hohenwald, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Family Advantage's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($91.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Family Advantage ranks #3,834 of 4,374 nationally on financial health and #115 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kingsport Press Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kingsport Press Cu
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Family Advantage financially healthy?
A 9.24% net worth ratio and a 1.62% delinquency rate feed into Family Advantage's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,834 of 4,374; by total assets it ranks #1,911 of 4,374 nationally (same basis as /rankings/largest); and #44 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Family Advantage compare to other credit unions?
Five weighted metrics from NCUA filings produce Family Advantage's 66/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Family Advantage?
Family Advantage 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 Family Advantage directly for the exact boundaries and application steps.
Is my money safe at Family Advantage?
Federal credit unions like Family Advantage 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. Family Advantage's net worth ratio of 9.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family Advantage offer compared to banks?
Credit unions like Family Advantage 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 Family Advantage 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.