FAMILY SAVINGS
Charter #68628 · Rainbow City, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.71% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.26% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.09% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.59% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 52nd — a 40-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 SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.17B | 12th pct | 52th pct |
| Members | 78,378 | 26th pct | 59th pct |
| Net worth ratio | 8.71% | 8th pct | 13th pct |
| Return on average assets | 0.66% | 46th pct | 52th pct |
| Net interest margin | 3.91% | 85th pct | 69th pct |
| Cost of funds | 2.26% | 76th pct | 84th pct |
| Loan-to-share | 95.91% | 82th pct | 72th pct |
| Delinquency 60+ days | 1.09% | 82th pct | 87th pct |
| Net charge-off ratio | 0.43% | 38th pct | 36th pct |
| Loan growth YoY | 1.08% | 40th pct | 34th pct |
| Share growth YoY | 4.25% | 54th pct | 52th pct |
| Efficiency ratio | 84.59% | 89th pct | 89th pct |
structural peer set hash: 5259c95794da74fde606fbbe712d158d… (reproducible)
Closest structural peers
This is the free public view
Claim FAMILY SAVINGS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.