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
Call Report peers
Family Community in the assets neighbourhood
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
Family Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Iowa, Power Co-Op Employees (#39) ties at 85/100; one place down, CORDA (#41) ties at 85/100.
Family Community Call Report trajectory
Family Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $25.6M (2025Q4) to $26.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.97% → 11.85%).
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
Family Community gives up 15 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Family Community financially healthy?
Family Community has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,975 of 4,374 nationally on health and #40 of 66 in Iowa. Its net worth ratio is 11.85% and its delinquency rate 0.08%.
How does Family Community compare to other credit unions?
Family Community scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.08% vs 1.15%). Its widest shortfall is loan-to-share ratio (38.18% vs 59.80%).
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?
Family Community is a state-chartered 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 Community's net worth ratio of 11.85% 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.