Federal credit union · Rock Hill, South Carolina · NCUA charter #11554
Family Trust
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $774.8M
- Total assets
- 58,863
- Members
- 11.6%
- Net-worth ratio
Family Trust scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $774.8M; members 58,863; net-worth ratio 11.56%; health rank #516 of 4,374; healthier than 87th of scored peers.
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NCUA 5300 Call Report Masthead
#516 of 4,374 health · 2025Q4Family Trust · health 94/100 · $774.8M · 2025Q4
Call Report peers
Family Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Family Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Family Trust sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Where Family Trust diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 94.58% here, 83.90% peer average (+10.68 pp).
South Carolina standing for Family Trust
- In South Carolina, health place is #9 of 46 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 46 inside South Carolina ($774.8M reported).
- South Carolina membership ordinal: #11 of 46.
- One place up in South Carolina, ALLSOUTH (#8) ties at 94/100; one place down, Pee Dee (#10) scores 93/100, 1 point lower.
Family Trust Call Report trajectory
Family Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $774.8M (2025Q4) to $804.3M (2026Q1).
- Net-worth ratio shifted -0.36 pp (11.92% → 11.56%).
At 11.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Family Trust gives up 6 points in total. Delinquency Rate costs the most, 2.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Family Trust
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.56% | +0.38 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 1.29% | +0.79 pp |
| Member Growth | 4.12% | - |
| Loan-to-Share Ratio | 94.58% | +10.68 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Family Trust
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $804.3M | - |
| 2025Q4 | $774.8M | 58,863 |
| 2024Q4 | $743.7M | 56,533 |
| 2023Q4 | $698.2M | 54,620 |
Credit Union Details
- Charter Number
- 11554
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Rock Hill
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Family Trust runs 8 offices in 5 different cities.
| Office | City |
|---|---|
| Family Trust Center (Main Office) | Rock Hill, SC |
| Clover | Clover, SC |
| Fort Mill | Fort Mill, SC |
| Laurens Road | Greenville, SC |
| Business Boulevard Centre | Rock Hill, SC |
| Celanese | Rock Hill, SC |
| South Pointe | Rock Hill, SC |
| East York | York, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Other-state peers near Family Trust
Similar total assets
Similar health score
Using this data
- Family Trust ranks #516 of 4,374 nationally on financial health and #9 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spero Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spero Financial
Frequently Asked Questions
Is Family Trust financially healthy?
On its 2025Q4 NCUA 5300 filing, Family Trust scores 94/100 (Excellent), with a 11.56% net worth ratio and 0.79% of loans delinquent. It ranks #516 of 4,374 nationally on health and #9 of 46 in South Carolina.
How does Family Trust compare to other credit unions?
Family Trust scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.58% vs 83.90%).
How can I join Family Trust?
Family Trust operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Family Trust directly for the exact boundaries and application steps.
Is my money safe at Family Trust?
Family Trust is a federal 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 Trust's net worth ratio of 11.56% 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.