State credit union · Charles City, Iowa · NCUA charter #64067
Family Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $25.6M
- Total assets
- 2,036
- Members
- 11.8%
- Net-worth ratio
Family Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 2,036; net-worth ratio 11.85%; health rank #1,975 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,975 of 4,374 health · 2025Q4Family Community · health 85/100 · $25.6M · 2025Q4
- ROA 85/100
- ASSETS 11.8%
- MEM 0.08%
- RANK 1.60%
- PHOTO $25.6M
- BOOK 2,036
- CHARTER #1,975/4,374
- NCUSIF Kennedy Va Employees
- CAMELS 64067
Call Report peers
Family Community in the assets neighbourhood
Family Community's $25.6M assets sit next to Kennedy Va Employees ($25.6M) 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 Community 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
85 Top 46% higher than 54% 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 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.
Where Family Community diverges from peer averages
- Delinquency Rate leads the peer set - 0.08% here, 1.15% peer average (-1.06 pp).
- Largest lag: Loan-to-Share Ratio at 38.18% vs peer 59.80% (-21.62 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Family Community in Iowa
- Health composite ranks #40 of 66 among scored Iowa credit unions.
- By total assets, Family Community is #48 of 66 in Iowa.
- Member book place in Iowa: #46 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Family Community Call Report trajectory
Family Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $25.6M (2025Q4) to $26.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.97% → 11.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 9.0 pts
Family Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.85% | -3.01 pp |
| Delinquency Rate | 0.08% | -1.06 pp |
| Return on Assets | 1.60% | +0.90 pp |
| Member Growth | -1.64% | - |
| Loan-to-Share Ratio | 38.18% | -21.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Family Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Family Community runs one office.
| Office | City |
|---|---|
| Family Community Credit Union (Main Office) | Charles City, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near Family Community
Two NCUA Call Report peer sets for Family Community, both outside Iowa 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 ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Family Community ranks #1,975 of 4,374 nationally on financial health and #40 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AEGIS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AEGIS
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Community financially healthy?
Family Community scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,975 of 4,374; by total assets it ranks #2,972 of 4,374 nationally (same basis as /rankings/largest); and #48 of 66 within Iowa. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.85% 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 85/100, 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 11.85% 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.
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.