State credit union · SAGINAW, Michigan · NCUA charter #61909
Family First
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $100.1M
- Total assets
- 5,386
- Members
- 9.4%
- Net-worth ratio
Family First scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $100.1M; members 5,386; net-worth ratio 9.38%; health rank #3,923 of 4,374; healthier than 10th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,923 of 4,374 health · 2025Q4Family First · health 64/100 · $100.1M · 2025Q4
Call Report peers
Family First in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Family First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Family First sits in 60-64 with 179 others.
64 10th percentile higher than 10% 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 First: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 51.60% here, 72.20% peer average (-20.60 pp).
Family First: in-state Call Report ranks
- Health composite ranks #166 of 171 among scored Michigan credit unions.
- Michigan assets place: #112 of 171.
- Membership ranks #120 of 171 among Michigan CUs with a reported count (5,386 members).
- One place up in Michigan, International Uaw (#165) ties at 64/100; one place down, TANDEM (#167) scores 61/100, 3 points lower.
Family First Call Report trajectory
Family First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $100.1M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.53% → 9.38%).
At 9.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Family First gives up 36 points in total. Delinquency Rate costs the most, 16.8 of its 25; Net Worth Ratio loses the least, 1.6.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 8.2 pts
- Return on Assets 12.5 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 10.9 pts
Family First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.38% | -2.73 pp |
| Delinquency Rate | 2.68% | +1.79 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | -2.81% | - |
| Loan-to-Share Ratio | 51.60% | -20.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Family First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.5M | - |
| 2025Q4 | $100.1M | 5,386 |
| 2024Q4 | $101.0M | 5,542 |
| 2023Q4 | $94.9M | 5,706 |
Credit Union Details
- Charter Number
- 61909
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- SAGINAW
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Family First, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Saginaw Office (Main Office) | Saginaw, MI |
| Freeland Office | Freeland, MI |
| Kochville Office | Saginaw, MI |
| Valera Shared Service Centers | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near Family First
Similar total assets
Using this data
- Family First ranks #3,923 of 4,374 nationally on financial health and #166 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Lakes First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Lakes First
Frequently Asked Questions
Is Family First financially healthy?
Family First has a financial health score of 64/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,923 of 4,374 nationally on health and #166 of 171 in Michigan. Its net worth ratio is 9.38% and its delinquency rate 2.68%.
How does Family First compare to other credit unions?
Family First scores 64/100, higher than 10% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (51.60% vs 72.20%).
How can I join Family First?
Membership eligibility for Family First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Family First directly for current membership requirements and application steps.
Is my money safe at Family First?
Family First 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 First's net worth ratio of 9.38% 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.