FAMILY SECURITY
Charter #60605 · Decatur, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 88,783 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 19.50% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.79% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.16% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.85% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 SECURITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.08B | 5th pct | 92th pct |
| Members | 88,783 | 35th pct | 95th pct |
| Net worth ratio | 19.50% | 99th pct | 95th pct |
| Return on average assets | 1.79% | 97th pct | 87th pct |
| Net interest margin | 3.31% | 47th pct | 26th pct |
| Cost of funds | 0.16% | 5th pct | 15th pct |
| Loan-to-share | 47.96% | 2th pct | 21th pct |
| Delinquency 60+ days | 0.63% | 50th pct | 48th pct |
| Net charge-off ratio | 0.60% | 57th pct | 51th pct |
| Loan growth YoY | -1.90% | 10th pct | 31th pct |
| Share growth YoY | 3.90% | 45th pct | 41th pct |
| Efficiency ratio | 57.85% | 8th pct | 13th pct |
structural peer set hash: a652d70c17ed920870652a24d614fb6f… (reproducible)
Closest structural peers
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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.