TellerScore

Family Financial Credit Union (NCUA charter #61633) is based in Norton Shores, Michigan. Its Q2 2026 call report shows $175.6M in total assets and $154.4M in member shares and deposits and 2 offices.

Family Financial Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 129th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 5% uninsured); earnings contributes the least (30/100, 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.06%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity98/100
Loans ÷ shares: 62.1% · 4.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.41%

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 fell 2 points (68 → 66), mostly because the capital cushion component weakened by 7 points.

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202469
Q4 202469
Q1 202567
Q2 202568
Q3 202565
Q4 202566
Q1 202665
Q2 202666
Net worth ratio
7.00%9.61%12.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.91%
Q3 202411.96%
Q4 202412.21%
Q1 202511.86%
Q2 202511.77%
Q3 202511.79%
Q4 202511.67%
Q1 202611.42%
Q2 202611.06%
Delinquent loans (60+ days)
0.78%1.02%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.89%
Q4 20241.03%
Q1 20250.99%
Q2 20250.93%
Q3 20251.25%
Q4 20251.01%
Q1 20261.02%
Q2 20260.89%
Return on assets
0.25%0.39%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.43%
Q3 20240.51%
Q4 20240.54%
Q1 20250.35%
Q2 20250.38%
Q3 20250.39%
Q4 20250.33%
Q1 20260.26%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$175.6M11.06%0.89%0.25%62.1%
Q1 202665$169.2M11.42%1.02%0.26%64.6%
Q4 202566$165.0M11.67%1.01%0.33%65.7%
Q3 202565$162.7M11.79%1.25%0.39%67.6%
Q2 202568$161.5M11.77%0.93%0.38%66.8%
Q1 202567$158.9M11.86%0.99%0.35%68.7%
Q4 202469$153.5M12.21%1.03%0.54%72.3%
Q3 202469$154.7M11.96%0.89%0.51%73.1%
Q2 202469$156.0M11.91%0.78%0.43%73.1%

1,341 peers · $100 million – $1 billion

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 ratio11.06%
45th
Problem loans0.89%
36th
Net charge-offs0.30%
57th
Return on assets0.25%
14th
Loans to deposits62.1%
75th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio4.4%
47th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Wolverine State Credit UnionCredit union Alpena, MI60 out of 100, Moderate$172.9M9.6%0.71%vs
Health Advantage Federal Credit UnionCredit union Saginaw, MI82 out of 100, Strong$179.3M13.4%0.33%vs
H.P.C. Credit UnionCredit union Alpena, MI68 out of 100, Moderate$171.9M13.6%1.86%vs
Harborlight Credit UnionCredit union Whitehall, MI76 out of 100, Strong$170.1M11.3%0.35%vs
Safe Harbor Credit UnionCredit union Ludington, MI44 out of 100, Below average$183.8M9.4%2.33%vs
Journey Federal Credit UnionCredit union Saint Johns, MI68 out of 100, Moderate$186.5M10.2%0.68%vs

Deposit insurance

Is my money safe at Family Financial Credit Union?

Yes. Family Financial Credit Union is a federally insured credit union (NCUA charter #61633). 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 4.7% of shares and deposits ($7.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.06%, 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 Financial Credit Union lists 2 offices in 2 cities. Most locations:

  • Hart, MI (1)
  • N Muskegon, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Family Financial Credit Union reported 68 home-loan applications under HMDA (LEI 5493006GEO6KHW4VRO39): 38 originated ($2,040,000 total), 20 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Family Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61633
RSSD ID
988395
Primary regulator
State + NCUA
Established
1959
Headquarters
3575 Henry St, Norton Shores, MI 49441
Employees
53

Quick answers

Family Financial Credit Union: common questions

Is Family Financial Credit Union NCUA insured?

Yes. Family Financial Credit Union is a federally insured credit union (NCUA charter #61633). 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 Financial Credit Union's TellerScore?

66 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 Financial Credit Union have?

2 offices as of the latest NCUA data.