State credit union · Omaha, Nebraska · NCUA charter #64938
Our Family Social
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $618K
- Total assets
- 415
- Members
- 5.0%
- Net-worth ratio
Our Family Social - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64938 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Our Family Social - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)42
- Asset quality (delinquency)38
- Earnings (ROA)67
- Member growth54
- Liquidity (loan-to-share)67
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.04% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.04% | 30% |
| Delinquency Rate | 2.49% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -0.48% | 15% |
| Loan-to-Share Ratio | 101.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $618K | 415 |
| 2024Q4 | $612K | 417 |
| 2023Q4 | $593K | 413 |
Credit Union Details
- Charter Number
- 64938
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Nebraska
- City
- Omaha
- Data Quarter
- 2025Q4
What This Data Says About Our Family Social
The five-factor composite scores Our Family Social at 50/100 (Fair), reflecting a net worth ratio of 5.04% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Omaha, Nebraska, reports 415 members, $618K in total assets, and $570K in outstanding loans as of Q4 2025 under charter #64938 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
2.49% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 101.32% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.17% on net income of $1K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.48%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Our Family Social financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Our Family Social carries a financial health score of 50/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 5.04% net worth ratio and a 2.49% delinquency rate.
How does Our Family Social compare to other credit unions?
PlainCU's health composite puts Our Family Social at 50/100, compared to a peer group average for Under $2M 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 Our Family Social?
Membership eligibility for Our Family Social depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Our Family Social directly for current membership requirements and application steps.
Is my money safe at Our Family Social?
Federal credit unions like Our Family Social 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. Our Family Social's net worth ratio of 5.04% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Our Family Social offer compared to banks?
Credit unions like Our Family Social 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 Our Family Social directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.