State credit union · Norton Shores, Michigan · NCUA charter #61633
Family Financial
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $165.0M
- Total assets
- 16,677
- Members
- 11.4%
- Net-worth ratio
Family Financial scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $165.0M; members 16,677; net-worth ratio 11.42%; health rank #1,465 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,465 of 4,374 health · 2025Q4Family Financial · health 88/100 · $165.0M · 2025Q4
- RANK 88/100
- PHOTO 11.4%
- BOOK 1.01%
- CHARTER 0.50%
- NCUSIF $165.0M
- CAMELS 16,677
- HEALTH #1,465/4,374
- NW N.E.W.
- DELQ 61633
Call Report peers
Family Financial in the assets neighbourhood
Family Financial's $165.0M assets sit next to N.E.W. ($165.2M) 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 Financial 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
88 Top 35% higher than 65% 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 Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61633, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Family Financial: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 65.68% vs peer 72.20% (-6.52 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Family Financial
- Health composite ranks #69 of 171 among scored Michigan credit unions.
- Michigan assets place: #89 of 171.
- Member book place in Michigan: #74 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Family Financial: 2025Q4 → 2026Q1
Family Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $165.0M (2025Q4) to $169.2M (2026Q1).
- Net-worth ratio shifted -0.25 pp (11.67% → 11.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 14.1 pts
Family Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -0.69 pp |
| Delinquency Rate | 1.01% | +0.11 pp |
| Return on Assets | 0.50% | -0.12 pp |
| Member Growth | -0.08% | - |
| Loan-to-Share Ratio | 65.68% | -6.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Family Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $169.2M | - |
| 2025Q4 | $165.0M | 16,677 |
| 2024Q4 | $153.5M | 16,690 |
| 2023Q4 | $152.9M | 16,799 |
Credit Union Details
- Charter Number
- 61633
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Norton Shores
- Data Quarter
- 2025Q4
Branch Locations (4)
Family Financial operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Norton Shores, MI |
| Family Financial Credit Union Hart Branch | Hart, MI |
| Family Financial Downtown HUB | Muskegon, MI |
| Family Financial Credit Union N Muksegon Branch | N Muskegon, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for Family Financial
Two NCUA Call Report peer sets for Family Financial, both outside Michigan 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 ($165.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Family Financial ranks #1,465 of 4,374 nationally on financial health and #69 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wolverine State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wolverine State
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Family Financial carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,465 of 4,374; by total assets it ranks #1,419 of 4,374 nationally (same basis as /rankings/largest); and #89 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.42% net worth ratio and a 1.01% delinquency rate.
How does Family Financial compare to other credit unions?
Family Financial scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Financial?
Membership eligibility for Family Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Family Financial directly for current membership requirements and application steps.
Is my money safe at Family Financial?
Federal credit unions like Family Financial 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 Financial's net worth ratio of 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family Financial offer compared to banks?
Credit unions like Family Financial 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 Financial 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.