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.
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NCUA 5300 Call Report Masthead
#1,465 of 4,374 health · 2025Q4Family Financial · health 88/100 · $165.0M · 2025Q4
Call Report peers
Family Financial in the assets neighbourhood
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
Family Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
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: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 65.68% vs peer 72.20% (-6.52 pp).
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.
- One place up in Michigan, UNITED (#68) ties at 88/100; one place down, JOLT (#70) ties at 88/100.
Family Financial: 2025Q4 → 2026Q1
Family Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $165.0M (2025Q4) to $169.2M (2026Q1).
- Net-worth ratio shifted -0.25 pp (11.67% → 11.42%).
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
Family Financial gives up 12 points in total. Member Growth costs the most, 6.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Family Financial financially healthy?
Family Financial has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,465 of 4,374 nationally on health and #69 of 171 in Michigan. Its net worth ratio is 11.42% and its delinquency rate 1.01%.
How does Family Financial compare to other credit unions?
Family Financial scores 88/100, higher than 65% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (65.68% vs 72.20%).
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?
Family Financial 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 Financial's net worth ratio of 11.42% 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.