FAMILY FIRST
Charter #61909 · SAGINAW, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,405 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.38% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of -0.41% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.07% sits at the 93rd 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 | $100.54M | 1th pct | 11th pct |
| Members | 5,405 | 5th pct | 8th pct |
| Net worth ratio | 9.38% | 19th pct | 21th pct |
| Return on average assets | -0.41% | 4th pct | 7th pct |
| Net interest margin | 4.01% | 71th pct | 74th pct |
| Cost of funds | 0.08% | 6th pct | 13th pct |
| Loan-to-share | 51.56% | 14th pct | 30th pct |
| Delinquency 60+ days | 2.07% | 95th pct | 93th pct |
| Net charge-off ratio | 1.27% | 93th pct | 92th pct |
| Loan growth YoY | 2.78% | 73th pct | 80th pct |
| Share growth YoY | -0.86% | 6th pct | 7th pct |
| Efficiency ratio | 85.12% | 72th pct | 57th pct |
structural peer set hash: 7737f52db0362be96ab0fefa7fa302e6… (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.