Family First

SAGINAW, MI · 2 · Charter #61909 · www.fam1st.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$100.1M
46th percentile
Members
5,386
29th percentile
Total loans
$47.2M
37th percentile
Total shares
$91.4M
51th percentile

Profitability

Return on assets
1.34%
69th percentile
Net interest margin
4.23%
81th percentile
Efficiency ratio
64.61%
44th percentile
Non-interest income ratio
19.07%
60th percentile

Capital & Risk

Net worth ratio
9.53%
17th percentile
Delinquency rate
2.68%
5th percentile
Net charge-off rate
1.47%
5th percentile
Loan-to-share
51.60%
22th percentile

Growth

Member growth YoY
-2.81%
26th percentile
Asset growth YoY
-0.96%
15th percentile
Loan growth YoY
-3.41%
24th percentile
Share growth YoY
-1.45%
15th percentile

Operations

Members / branch
1,347
6th percentile
Assets / member
$18,578
78th percentile
Field of membership penetration
0.69%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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