Family Trust

Rock Hill, SC · 1 · Charter #11554 · www.familytrust.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$774.8M
85th percentile
Members
58,863
93th percentile
Total loans
$621.2M
91th percentile
Total shares
$656.8M
86th percentile

Profitability

Return on assets
1.47%
80th percentile
Net interest margin
3.62%
62th percentile
Efficiency ratio
52.72%
74th percentile
Non-interest income ratio
23.36%
74th percentile

Capital & Risk

Net worth ratio
11.94%
65th percentile
Delinquency rate
0.79%
42th percentile
Net charge-off rate
0.50%
40th percentile
Loan-to-share
94.58%
83th percentile

Growth

Member growth YoY
4.12%
84th percentile
Asset growth YoY
4.19%
42th percentile
Loan growth YoY
8.85%
75th percentile
Share growth YoY
3.45%
38th percentile

Operations

Members / branch
7,358
85th percentile
Assets / member
$13,163
21th percentile
Field of membership penetration
6.74%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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