TellerScore

Headquartered in Hapeville, Georgia, Family First Credit Union is a federally insured state-chartered credit union with $136.3M in total assets and $117.8M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1930.

Family First Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 48th. Capital cushion contributes the most (85/100, 13.48%); loan quality contributes the least (35/100, 1.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.48%
Loan quality35/100
Loans 60+ days delinquent ÷ total loans: 1.94%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity84/100
Loans ÷ shares: 76.1% · 5.7% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.44%

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 3 points (61 → 64), mostly because the earnings component improved by 21 points.

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202457
Q1 202564
Q2 202561
Q3 202559
Q4 202558
Q1 202662
Q2 202664
Net worth ratio
7.00%10.41%13.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.38%
Q3 202413.65%
Q4 202413.83%
Q1 202513.20%
Q2 202513.20%
Q3 202513.48%
Q4 202513.71%
Q1 202613.51%
Q2 202613.48%
Delinquent loans (60+ days)
1.44%1.93%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.55%
Q3 20241.77%
Q4 20242.42%
Q1 20251.44%
Q2 20251.84%
Q3 20252.21%
Q4 20252.31%
Q1 20262.03%
Q2 20261.94%
Return on assets
-0.05%0.30%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.05%
Q3 20240.13%
Q4 20240.15%
Q1 20250.09%
Q2 20250.13%
Q3 20250.20%
Q4 20250.19%
Q1 20260.40%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$136.3M13.48%1.94%0.66%76.1%
Q1 202662$133.7M13.51%2.03%0.40%73.1%
Q4 202558$131.7M13.71%2.31%0.19%74.3%
Q3 202559$133.6M13.48%2.21%0.20%73.6%
Q2 202561$135.6M13.20%1.84%0.13%72.3%
Q1 202564$135.2M13.20%1.44%0.09%71.2%
Q4 202457$129.8M13.83%2.42%0.15%76.1%
Q3 202462$131.1M13.65%1.77%0.13%75.1%
Q2 202462$132.5M13.38%1.55%-0.05%75.4%

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 ratio13.48%
74th
Problem loans1.94%
7th
Net charge-offs0.32%
54th
Return on assets0.66%
43rd
Loans to deposits76.1%
49th
Uninsured deposits5.7%
52nd
Loan-loss reserves0.00%
50th
Texas ratio9.4%
15th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Aflac Federal Credit UnionCredit union Columbus, GA86 out of 100, Very strong$133.8M38.9%1.66%vs
North Georgia Credit UnionCredit union Toccoa, GA70 out of 100, Strong$121.7M11.2%0.39%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs
Cgr Credit UnionCredit union Macon, GA95 out of 100, Very strong$120.0M22.2%0.52%vs

Deposit insurance

Is my money safe at Family First Credit Union?

Yes. Family First Credit Union is a federally insured credit union (NCUA charter #61831). 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 5.7% of shares and deposits ($6.8M) 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 13.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Family First Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Family First Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61831
RSSD ID
717296
Primary regulator
State + NCUA
Established
1930
Headquarters
3604 Atlanta Ave, Hapeville, GA 30354
Employees
32

Quick answers

Family First Credit Union: common questions

Is Family First Credit Union NCUA insured?

Yes. Family First Credit Union is a federally insured credit union (NCUA charter #61831). 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 First Credit Union's TellerScore?

64 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 First Credit Union have?

3 offices as of the latest NCUA data, in 2 states.