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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#516 of 4,374 health · 2025Q4Family Trust · health 94/100 · $774.8M · 2025Q4
- CHARTER 94/100
- NCUSIF 11.6%
- CAMELS 0.79%
- HEALTH 1.29%
- NW $774.8M
- DELQ 58,863
- ROA #516/4,374
- ASSETS TEXELL
- MEM 11554
Call Report peers
Family Trust in the assets neighbourhood
Family Trust's $774.8M assets sit next to TEXELL ($773.5M) 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 Trust 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
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
Family Trust - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11554 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Family Trust Call Report trajectory
Family Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $774.8M (2025Q4) to $804.3M (2026Q1).
- Net-worth ratio shifted -0.36 pp (11.92% → 11.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
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 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
Two NCUA Call Report peer sets for Family Trust, both outside South Carolina 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 ($774.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina 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 Trust financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Family Trust'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 #516 of 4,374; by total assets it ranks #569 of 4,374 nationally (same basis as /rankings/largest); and #10 of 46 within South Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.56% net worth ratio and 0.79% delinquency rate are the key drivers.
How does Family Trust compare to other credit unions?
PlainCU's health composite puts Family Trust at 94/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Family Trust 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 Trust's net worth ratio of 11.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family Trust offer compared to banks?
Credit unions like Family Trust 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 Trust 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.