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
Call Report peers
Family Advantage in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Family Advantage sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Family Advantage
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.43 pp (50.17% vs 62.60%).
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).
- One place up in Tennessee, PARTHENON (#114) scores 67/100, 1 point higher; one place down, Tennessee Members 1st (#116) scores 64/100, 2 points lower.
Quarter path for Family Advantage
Family Advantage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $91.1M (2025Q4) to $91.3M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.41% → 9.24%).
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
Family Advantage gives up 34 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio loses the least, 1.9.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Family Advantage financially healthy?
Family Advantage has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,834 of 4,374 nationally on health and #115 of 127 in Tennessee. Its net worth ratio is 9.24% and its delinquency rate 1.62%.
How does Family Advantage compare to other credit unions?
Family Advantage scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (50.17% vs 62.60%).
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?
Family Advantage 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. Family Advantage's net worth ratio of 9.24% 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.