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
Call Report peers
Family Security in the assets neighbourhood
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Family Security vs every NCUA-scored credit union
Family Security sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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).
- One place up in Alabama, Mutual Savings (#25) scores 89/100, 1 point higher; one place down, Marvel City (#27) ties at 88/100.
Family Security Call Report trajectory
Family Security: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $1.05B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted -0.09 pp (19.59% → 19.50%).
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
Family Security gives up 12 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Family Security financially healthy?
On its 2025Q4 NCUA 5300 filing, Family Security scores 88/100 (Excellent), with a 19.50% net worth ratio and 0.70% of loans delinquent. It ranks #1,385 of 4,374 nationally on health and #26 of 89 in Alabama.
How does Family Security compare to other credit unions?
Family Security scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (19.50% vs 11.18%). Its widest shortfall is loan-to-share ratio (49.96% vs 83.90%).
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?
Family Security 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 Security's net worth ratio of 19.50% 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.