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.
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Family Savings vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Family Savings sits in 80-84 with 767 others.
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
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%).
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).
- One place up in Alabama, Alabama Central (#49) ties at 83/100; one place down, Alabama State Employees (#51) scores 82/100, 1 point lower.
How Family Savings's 5300 filing moved
Family Savings: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $1.16B (2025Q4) to $1.17B (2026Q1).
- Net-worth ratio shifted +0.03 pp (8.68% → 8.71%).
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
Family Savings gives up 17 points in total. Delinquency Rate costs the most, 6.3 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Family Savings financially healthy?
Family Savings has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,347 of 4,374 nationally on health and #50 of 89 in Alabama. Its net worth ratio is 8.71% and its delinquency rate 1.17%.
How does Family Savings compare to other credit unions?
Family Savings scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.95% vs 83.90%). Its widest shortfall is net worth ratio (8.71% vs 11.18%).
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?
Family Savings 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 Savings's net worth ratio of 8.71% 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.