FRIENDS AND FAMILY CREDIT UNION INC
Charter #96750 · MASSILLON, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.10% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 0.20% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.35% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.19% ranks in the 16th 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 | FRIENDS AND FAMILY CREDIT UNION INC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $110.01M | 7th pct | 13th pct |
| Members | 9,616 | 30th pct | 30th pct |
| Net worth ratio | 8.10% | 4th pct | 2th pct |
| Return on average assets | 0.20% | 16th pct | 11th pct |
| Net interest margin | 4.25% | 83th pct | 72th pct |
| Cost of funds | 1.91% | 85th pct | 92th pct |
| Loan-to-share | 73.24% | 53th pct | 46th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 21th pct |
| Net charge-off ratio | 0.19% | 29th pct | 16th pct |
| Loan growth YoY | -3.91% | 11th pct | 11th pct |
| Share growth YoY | 1.77% | 25th pct | 23th pct |
| Efficiency ratio | 94.33% | 94th pct | 95th pct |
structural peer set hash: 3aff9f579ed355ae9af5166a108a7c41… (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.