State credit union · SAGINAW, Michigan · NCUA charter #61909
Family First
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $100.1M
- Total assets
- 5,386
- Members
- 9.5%
- Net-worth ratio
Family First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61909 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Family First - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)33
- Earnings (ROA)83
- Member growth26
- Liquidity (loan-to-share)72
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.53% | 30% |
| Delinquency Rate | 2.68% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | -2.81% | 15% |
| Loan-to-Share Ratio | 51.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Family First
Charter #61909, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Family First, a state credit union in SAGINAW, Michigan with 5,386 members, $100.1M in total assets, and $47.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 64/100 (Good), helped by a net worth ratio of 9.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 2.68% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 51.60% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.33% on net income of $333K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.81%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Family First financially healthy?
Yes/no aside, the number is 64/100 (Good) - Family First's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.53% net worth ratio and 2.68% delinquency rate are the key drivers.
How does Family First compare to other credit unions?
Five weighted metrics from NCUA filings produce Family First's 64/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Family First 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 First's net worth ratio of 9.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family First offer compared to banks?
Credit unions like Family First 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 First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.