Federal credit union · Henryetta, Oklahoma · NCUA charter #11057
First Family
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $147.3M
- Total assets
- 18,722
- Members
- 11.8%
- Net-worth ratio
First Family scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $147.3M; members 18,722; net-worth ratio 11.80%; health rank #511 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#511 of 4,374 health · 2025Q4First Family · health 94/100 · $147.3M · 2025Q4
- NW 94/100
- DELQ 11.8%
- ROA 1.08%
- ASSETS 0.77%
- MEM $147.3M
- RANK 18,722
- PHOTO #511/4,374
- BOOK Go Energy Financial
- CHARTER 11057
Call Report peers
First Family in the assets neighbourhood
First Family's $147.3M assets sit next to Go Energy Financial ($147.2M) 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.
First Family 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
First Family - Share Insurance Coverage
Charter #11057's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
First Family vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 86.39% vs peer 72.20% (+14.19 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.31 pp (11.80% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Family sits in Oklahoma
- Health composite ranks #5 of 53 among scored Oklahoma credit unions.
- Oklahoma assets place: #23 of 53.
- Oklahoma membership ordinal: #13 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Family's 5300 filing moved
First Family: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $147.3M (2025Q4) to $151.0M (2026Q1).
- Net-worth ratio shifted -0.25 pp (12.05% → 11.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.80%, 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 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 14.8 pts
First Family vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.80% | -0.31 pp |
| Delinquency Rate | 1.08% | +0.19 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | 4.83% | - |
| Loan-to-Share Ratio | 86.39% | +14.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Family quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $151.0M | - |
| 2025Q4 | $147.3M | 18,722 |
| 2024Q4 | $141.6M | 17,860 |
| 2023Q4 | $141.2M | 17,031 |
Credit Union Details
- Charter Number
- 11057
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Henryetta
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for First Family, spread across 5 cities.
| Office | City |
|---|---|
| Corporate office (Main Office) | Henryetta, OK |
| First Family Federal Credit Union Branch | Atoka, OK |
| First Family Federal Credit Union | Checotah, OK |
| First Family Federal Credit Union | Henryetta, OK |
| First Family Federal Credit Union McAlester | McAlester, OK |
| First Family Federal Credit Union Okmulgee | Okmulgee, OK |
| First Family Federal Credit Union | Okmulgee, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Other-state peers near First Family
First Family's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($147.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- First Family ranks #511 of 4,374 nationally on financial health and #5 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red River
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma 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 First Family financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Family carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #511 of 4,374; by total assets it ranks #1,501 of 4,374 nationally (same basis as /rankings/largest); and #23 of 53 within Oklahoma. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.80% net worth ratio and a 1.08% delinquency rate.
How does First Family compare to other credit unions?
94/100 is First Family's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 First Family?
First Family 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 First Family directly for the exact boundaries and application steps.
Is my money safe at First Family?
Federal credit unions like First Family 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. First Family's net worth ratio of 11.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Family offer compared to banks?
Credit unions like First Family 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 First Family 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.