FAMILY FIRST
Charter #61831 · HAPEVILLE, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.51% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.41% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.03% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.75% sits at the 87th percentile of structural peers — worth a closer look.
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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $133.70M | 22th pct | 28th pct |
| Members | 10,400 | 34th pct | 36th pct |
| Net worth ratio | 13.51% | 75th pct | 84th pct |
| Return on average assets | 0.41% | 30th pct | 23th pct |
| Net interest margin | 3.85% | 63th pct | 48th pct |
| Cost of funds | 0.00% | 1th pct | 5th pct |
| Loan-to-share | 73.08% | 52th pct | 46th pct |
| Delinquency 60+ days | 2.03% | 95th pct | 92th pct |
| Net charge-off ratio | 0.50% | 65th pct | 59th pct |
| Loan growth YoY | -0.66% | 39th pct | 39th pct |
| Share growth YoY | 0.03% | 10th pct | 11th pct |
| Efficiency ratio | 86.75% | 77th pct | 87th pct |
structural peer set hash: 5c096e4d569763e5a50e68a20aeb86b6… (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.