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
- NW 64/100
- DELQ 9.4%
- ROA 2.68%
- ASSETS 0.33%
- MEM $100.1M
- RANK 5,386
- PHOTO #3,923/4,374
- BOOK Civic Central
- CHARTER 61909
Call Report peers
Family First in the assets neighbourhood
Family First's $100.1M assets sit next to Civic Central ($100.0M) 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 First 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
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 - 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: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 51.60% here, 72.20% peer average (-20.60 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 First Call Report trajectory
Family First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $100.1M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.53% → 9.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- 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 |
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).
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
Two NCUA Call Report peer sets for Family First, 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 ($100.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,923 of 4,374; by total assets it ranks #1,818 of 4,374 nationally (same basis as /rankings/largest); and #112 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.38% 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 9.38% 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.
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.