State credit union · Decatur, Alabama · NCUA charter #60605
Family Security
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.05B
- Total assets
- 88,624
- Members
- 19.5%
- Net-worth ratio
Family Security scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.05B; members 88,624; net-worth ratio 19.50%; health rank #1,385 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,385 of 4,374 health · 2025Q4Family Security · health 88/100 · $1.05B · 2025Q4
- NW 88/100
- DELQ 19.5%
- ROA 0.70%
- ASSETS 1.95%
- MEM $1.05B
- RANK 88,624
- PHOTO #1,385/4,374
- BOOK The Police
- CHARTER 60605
Call Report peers
Family Security in the assets neighbourhood
Family Security's $1.05B assets sit next to The Police ($1.05B) 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 Security 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
88 Top 35% higher than 65% 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 Security - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60605. See our deposit-insurance coverage note.
Peer-gap read for Family Security
- Net Worth Ratio leads the peer set - 19.50% here, 11.18% peer average (+8.32 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -33.94 pp (49.96% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Family Security
- Health composite ranks #26 of 89 among scored Alabama credit unions.
- By total assets, Family Security is #13 of 89 in Alabama.
- Membership ranks #10 of 89 among Alabama CUs with a reported count (88,624 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.
Family Security Call Report trajectory
Family Security: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $1.05B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted -0.09 pp (19.59% → 19.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 10.9 pts
Family Security health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.50% | +8.32 pp |
| Delinquency Rate | 0.70% | -0.17 pp |
| Return on Assets | 1.95% | +1.44 pp |
| Member Growth | 0.06% | - |
| Loan-to-Share Ratio | 49.96% | -33.94 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).
Family Security quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.08B | - |
| 2025Q4 | $1.05B | 88,624 |
| 2024Q4 | $974.8M | 88,574 |
| 2023Q4 | $930.5M | 88,574 |
Credit Union Details
- Charter Number
- 60605
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Decatur
- Data Quarter
- 2025Q4
Branch Locations (25)
The NCUA branch filing lists 25 physical offices for Family Security, spread across 18 cities.
| Office | City |
|---|---|
| Administration II (Main Office) | Decatur, AL |
| Albertville | Albertville, AL |
| Athens | Athens, AL |
| Boaz | Boaz, AL |
| Cullman | Cullman, AL |
| Daphne | Daphne, AL |
| Administration I | Decatur, AL |
| Priceville | Decatur, AL |
| Sixth Avenue | Decatur, AL |
| Haier | Decatur, AL |
| Beltline | Decatur, AL |
| Gardendale | Gardendale, AL |
| Guntersville | Guntersville, AL |
| Hartselle | Hartselle, AL |
| Hazel Green | Hazel Green, AL |
| Jackson | Jackson, AL |
| Madison Blvd. | Madison, AL |
| Highway 72 Madison | Madison, AL |
| Mobile | Mobile, AL |
| Tillman's Corner | Mobile, AL |
| Moulton | Moulton, AL |
| Muscle Shoals | Muscle Shoals, AL |
| Saraland | Saraland, AL |
| Stevenson | Stevenson, AL |
| Thomasville | Thomasville, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Other-state peers near Family Security
Two NCUA Call Report peer sets for Family Security, both outside Alabama 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 ($1.05B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Family Security ranks #1,385 of 4,374 nationally on financial health and #26 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family Savings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family Savings
- 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 Security financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Family Security'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 #1,385 of 4,374; by total assets it ranks #454 of 4,374 nationally (same basis as /rankings/largest); and #13 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.50% net worth ratio and 0.70% delinquency rate are the key drivers.
How does Family Security compare to other credit unions?
On PlainCU's health composite, Family Security lands at 88/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Security?
Membership eligibility for Family Security depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Family Security directly for current membership requirements and application steps.
Is my money safe at Family Security?
Federal credit unions like Family Security 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 Security's net worth ratio of 19.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family Security offer compared to banks?
Credit unions like Family Security 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 Security 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.