FAMILY TRUST
Charter #11554 · Rock Hill, SC · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.09% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.42% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 31st — a 55-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FAMILY TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $804.29M | 70th pct | 28th pct |
| Members | 59,524 | 87th pct | 31th pct |
| Net worth ratio | 11.56% | 67th pct | 72th pct |
| Return on average assets | 0.89% | 65th pct | 66th pct |
| Net interest margin | 3.62% | 60th pct | 31th pct |
| Cost of funds | 2.09% | 85th pct | 77th pct |
| Loan-to-share | 93.28% | 87th pct | 77th pct |
| Delinquency 60+ days | 0.56% | 48th pct | 33th pct |
| Net charge-off ratio | 0.42% | 50th pct | 16th pct |
| Loan growth YoY | 6.40% | 93th pct | 92th pct |
| Share growth YoY | 3.95% | 48th pct | 46th pct |
| Efficiency ratio | 74.48% | 31th pct | 38th pct |
structural peer set hash: 434ee10ea0384119bce3e65245cea52d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.