TellerScore

Family Advantage Federal Credit Union (NCUA charter #24603) is based in Spring Hill, Tennessee. Its Q2 2026 call report shows $93.4M in total assets and $85.2M in member shares and deposits and 2 offices.

Family Advantage Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 104th. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 3% uninsured); earnings contributes the least (20/100, 0.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.18%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings20/100
Return on assets (annualized): 0.01%
Funding & liquidity100/100
Loans ÷ shares: 40.7% · 2.7% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (48 → 59), mostly because the loan quality component improved by 26 points.

TellerScore
425159Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202447
Q4 202442
Q1 202546
Q2 202548
Q3 202545
Q4 202548
Q1 202654
Q2 202659
Net worth ratio
7.00%8.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.81%
Q3 202410.68%
Q4 202410.30%
Q1 20259.54%
Q2 20259.46%
Q3 20258.78%
Q4 20259.41%
Q1 20269.24%
Q2 20269.18%
Delinquent loans (60+ days)
0.86%2.38%3.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.90%
Q3 20243.54%
Q4 20243.53%
Q1 20251.88%
Q2 20251.64%
Q3 20251.62%
Q4 20251.62%
Q1 20260.86%
Q2 20260.88%
Return on assets
-2.13%-0.65%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.60%
Q4 20240.13%
Q1 2025-1.58%
Q2 2025-1.17%
Q3 2025-2.13%
Q4 2025-1.54%
Q1 2026-0.61%
Q2 20260.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$93.4M9.18%0.88%0.01%40.7%
Q1 202654$91.3M9.24%0.86%-0.61%45.4%
Q4 202548$91.1M9.41%1.62%-1.54%50.2%
Q3 202545$96.2M8.78%1.62%-2.13%50.7%
Q2 202548$99.3M9.46%1.64%-1.17%53.2%
Q1 202546$100.3M9.54%1.88%-1.58%56.1%
Q4 202442$96.8M10.30%3.53%0.13%61.5%
Q3 202447$96.2M10.68%3.54%0.60%64.4%
Q2 202448$94.8M10.81%3.90%0.83%65.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.18%
10th
Problem loans0.88%
43rd
Net charge-offs2.30%
5th
Return on assets0.01%
20th
Loans to deposits40.7%
77th
Uninsured deposits2.7%
38th
Loan-loss reserves0.00%
37th
Texas ratio3.6%
39th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Foothills Federal Credit UnionCredit union Loudon, TN65 out of 100, Moderate$94.6M10.0%1.20%vs
Securcommunity Federal Credit UnionCredit union Cordova, TN76 out of 100, Strong$91.6M14.1%0.66%vs
Kingsport Press Credit UnionCredit union Kingsport, TN92 out of 100, Very strong$95.6M16.4%0.40%vs
Tnconnect Credit UnionCredit union Knoxville, TN54 out of 100, Below average$90.6M7.4%0.64%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
Tennessee Members 1st Federal Credit UnionCredit union Oak Ridge, TN53 out of 100, Below average$97.9M11.6%2.29%vs

Deposit insurance

Is my money safe at Family Advantage Federal Credit Union?

Yes. Family Advantage Federal Credit Union is a federally insured credit union (NCUA charter #24603). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.7% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Family Advantage Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Family Advantage Federal Credit Union
Type
Federal credit union
NCUA charter #
24603
RSSD ID
2619723
Primary regulator
NCUA
Established
1997
Headquarters
P.O. Box 39, Spring Hill, TN 37174
Employees
23

Quick answers

Family Advantage Federal Credit Union: common questions

Is Family Advantage Federal Credit Union NCUA insured?

Yes. Family Advantage Federal Credit Union is a federally insured credit union (NCUA charter #24603). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Family Advantage Federal Credit Union's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Family Advantage Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Spring Hill

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
First Farmers and Merchants BankBank Columbia, TN79 out of 100, Strong$1.8B11.2%0.12%vs