Federal credit union · MASSILLON, Ohio · NCUA charter #96750
Friends and Family Credit Union Inc
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $108.9M
- Total assets
- 9,699
- Members
- 8.1%
- Net-worth ratio
Friends and Family Credit Union Inc scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $108.9M; members 9,699; net-worth ratio 8.10%; health rank #2,494 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,494 of 4,374 health · 2025Q4Friends and Family · health 82/100 · $108.9M · 2025Q4
- BOOK 82/100
- CHARTER 8.1%
- NCUSIF 0.46%
- CAMELS 0.33%
- HEALTH $108.9M
- NW 9,699
- DELQ #2,494/4,374
- ROA Metrum Community
- ASSETS 96750
Call Report peers
Friends and Family Credit Union Inc in the assets neighbourhood
Friends and Family Credit Union Inc's $108.9M assets sit next to Metrum Community ($108.9M) 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.
Friends and Family Credit Union Inc 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
82 43rd percentile higher than 43% 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
Friends and Family Credit Union Inc - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #96750, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Friends and Family Credit Union Inc vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 76.30% here, 72.20% peer average (+4.10 pp).
- Net Worth Ratio trails the peer set - 8.10% here, 12.11% peer average (-4.01 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Friends and Family Credit Union Inc sits in Ohio
- Health composite ranks #113 of 196 among scored Ohio credit unions.
- Ohio assets place: #71 of 196.
- Member book place in Ohio: #65 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Friends and Family Credit Union Inc Call Report trajectory
Friends and Family Credit Union Inc: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $108.9M (2025Q4) to $110.0M (2026Q1).
- Net-worth ratio shifted -0.04 pp (8.14% → 8.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 14.9 pts
Friends and Family health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.10% | -4.01 pp |
| Delinquency Rate | 0.46% | -0.43 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | -2.54% | - |
| Loan-to-Share Ratio | 76.30% | +4.10 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).
Friends and Family filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $110.0M | - |
| 2025Q4 | $108.9M | 9,699 |
| 2024Q4 | $107.3M | 9,952 |
| 2023Q4 | $107.7M | 10,023 |
Credit Union Details
- Charter Number
- 96750
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- MASSILLON
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Friends and Family Credit Union Inc, spread across 2 cities.
| Office | City |
|---|---|
| 3920 Erie St. S (Main Office) | Massillon, OH |
| ACME Supermarket Branch | Canton, OH |
| 46 Federal Ave | Massillon, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for Friends and Family
Friends and Family Credit Union Inc's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($108.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Friends and Family Credit Union Inc ranks #2,494 of 4,374 nationally on financial health and #113 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GEAUGA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GEAUGA
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Friends and Family Credit Union Inc financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Friends and Family Credit Union Inc'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 #2,494 of 4,374; by total assets it ranks #1,753 of 4,374 nationally (same basis as /rankings/largest); and #71 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.10% net worth ratio and 0.46% delinquency rate are the key drivers.
How does Friends and Family Credit Union Inc compare to other credit unions?
Friends and Family Credit Union Inc scores 82/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Friends and Family Credit Union Inc?
Membership eligibility for Friends and Family Credit Union Inc depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Friends and Family Credit Union Inc directly for current membership requirements and application steps.
Is my money safe at Friends and Family Credit Union Inc?
Federal credit unions like Friends and Family Credit Union Inc 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. Friends and Family Credit Union Inc's net worth ratio of 8.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Friends and Family Credit Union Inc offer compared to banks?
Credit unions like Friends and Family Credit Union Inc 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 Friends and Family Credit Union Inc 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.