State credit union · Davenport, Iowa · NCUA charter #60728
The Family
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $242.2M
- Total assets
- 19,955
- Members
- 11.8%
- Net-worth ratio
The Family - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60728, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The Family - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)57
- Earnings (ROA)100
- Member growth20
- Liquidity (loan-to-share)94
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.83% | 30% |
| Delinquency Rate | 1.76% | 25% |
| Return on Assets | 0.72% | 15% |
| Member Growth | -3.30% | 15% |
| Loan-to-Share Ratio | 66.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $242.2M | 19,955 |
| 2024Q4 | $257.9M | 20,637 |
| 2023Q4 | $242.1M | 20,215 |
Credit Union Details
- Charter Number
- 60728
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Davenport
- Data Quarter
- 2025Q4
What This Data Says About The Family
19,955 members and $242.2M in total assets sit behind The Family, a state credit union in Davenport, Iowa, which posts a health score of 76/100 (Very Good) on the five-factor composite, with $136.1M in outstanding loans as of Q4 2025 and a net worth ratio of 11.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60728 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 66.09% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.76% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.72% on net income of $1.8M 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 -3.30%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, 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 The Family financially healthy?
The Family has a financial health score of 76/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.83% and delinquency rate of 1.76%.
How does The Family compare to other credit unions?
The Family scores 76/100 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 The Family?
Membership eligibility for The Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Family directly for current membership requirements and application steps.
Is my money safe at The Family?
Federal credit unions like The 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. The Family's net worth ratio of 11.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Family offer compared to banks?
Credit unions like The 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 The Family 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.