State credit union · Charles City, Iowa · NCUA charter #64067
Family Community
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $25.6M
- Total assets
- 2,036
- Members
- 9.6%
- Net-worth ratio
Family Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64067: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Family Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth40
- Liquidity (loan-to-share)63
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.56% | 30% |
| Delinquency Rate | 0.08% | 25% |
| Return on Assets | 1.60% | 15% |
| Member Growth | -1.64% | 15% |
| Loan-to-Share Ratio | 38.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $25.6M | 2,036 |
| 2024Q4 | $23.3M | 2,070 |
| 2023Q4 | $21.8M | 2,166 |
Credit Union Details
- Charter Number
- 64067
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- Charles City
- Data Quarter
- 2025Q4
What This Data Says About Family Community
2,036 members and $25.6M in total assets sit behind Family Community, a state credit union in Charles City, Iowa, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $8.5M in outstanding loans as of Q4 2025 and a net worth ratio of 9.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64067 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.08% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 38.18% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.60% on net income of $410K 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 -1.64%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
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 Family Community financially healthy?
Family Community scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.56% net worth ratio and a 0.08% delinquency rate.
How does Family Community compare to other credit unions?
On PlainCU's health composite, Family Community lands at 84/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Family Community?
Membership eligibility for Family Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Family Community directly for current membership requirements and application steps.
Is my money safe at Family Community?
Federal credit unions like Family Community 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 Community's net worth ratio of 9.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family Community offer compared to banks?
Credit unions like Family Community 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 Community 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.