State credit union · Rainbow City, Alabama · NCUA charter #68628
Family Savings
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.16B
- Total assets
- 77,957
- Members
- 8.7%
- Net-worth ratio
Family Savings scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.16B; members 77,957; net-worth ratio 8.71%; health rank #2,347 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,347 of 4,374 health · 2025Q4Family Savings · health 83/100 · $1.16B · 2025Q4
- MEM 83/100
- RANK 8.7%
- PHOTO 1.17%
- BOOK 0.66%
- CHARTER $1.16B
- NCUSIF 77,957
- CAMELS #2,347/4,374
- HEALTH CRANE
- NW 68628
Family Savings in the assets neighbourhood
Family Savings's $1.16B assets sit next to CRANE ($1.15B) 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 Savings 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
83 46th percentile higher than 46% 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 Savings - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68628 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Family Savings
- Largest favorable gap: Loan-to-Share Ratio at 97.95% vs peer 83.90% (+14.05 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.47 pp (8.71% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Family Savings sits in Alabama
- Health composite ranks #50 of 89 among scored Alabama credit unions.
- By total assets, Family Savings is #12 of 89 in Alabama.
- Membership ranks #12 of 89 among Alabama CUs with a reported count (77,957 members).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Family Savings's 5300 filing moved
Family Savings: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $1.16B (2025Q4) to $1.17B (2026Q1).
- Net-worth ratio shifted +0.03 pp (8.68% → 8.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 11.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.71% | -2.47 pp |
| Delinquency Rate | 1.17% | +0.30 pp |
| Return on Assets | 0.66% | +0.15 pp |
| Member Growth | 1.94% | - |
| Loan-to-Share Ratio | 97.95% | +14.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Family Savings
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.17B | - |
| 2025Q4 | $1.16B | 77,957 |
| 2024Q4 | $1.04B | 76,476 |
| 2023Q4 | $965.8M | 75,156 |
Credit Union Details
- Charter Number
- 68628
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Rainbow City
- Data Quarter
- 2025Q4
Branch Locations (17)
Per its most recent NCUA branch filing, Family Savings runs 17 offices in 15 different cities across 2 states.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Rainbow City, AL |
| Albertville | Albertville, AL |
| Calhoun | Calhoun, GA |
| Cartersville West | Cartersville, GA |
| Cartersville | Cartersville, GA |
| Ft. Payne | Fort Payne, AL |
| East Gadsden Branch | Gadsden, AL |
| Hiram | Hiram, GA |
| Bentley Bypass | Huntsville, AL |
| Ider | Ider, AL |
| Owens Cross Roads | Owens Cross Roads, AL |
| Oxford Branch | Oxford, AL |
| Rainbow City Branch | Rainbow City, AL |
| Rockmart | Rockmart, GA |
| Rome | Rome, GA |
| Scottsboro | Scottsboro, AL |
| Valley Head | Valley Head, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Family Savings nationwide neighbourhoods
Family Savings's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.16B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Family Savings ranks #2,347 of 4,374 nationally on financial health and #50 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUARDIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUARDIAN
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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 Savings financially healthy?
A 8.71% net worth ratio and a 1.17% delinquency rate feed into Family Savings's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,347 of 4,374; by total assets it ranks #418 of 4,374 nationally (same basis as /rankings/largest); and #12 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Family Savings compare to other credit unions?
Family Savings scores 83/100 on PlainCU's health composite, compared to a peer group average for Over $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 Savings?
Membership eligibility for Family Savings depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Family Savings directly for current membership requirements and application steps.
Is my money safe at Family Savings?
Federal credit unions like Family Savings 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 Savings's net worth ratio of 8.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family Savings offer compared to banks?
Credit unions like Family Savings 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 Savings 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.