Family Savings Credit Union is a federally insured state-chartered credit union headquartered in Rainbow City, Alabama, in business for about 75 years. At the end of Q2 2026 it reported $1.2B in total assets and $999.6M in member shares and deposits, with 17 offices across 2 states.
Based on its Q2 2026 filing, Family Savings Credit Union scores 55/100, which we describe as moderate. That is higher than only 13% of 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 80th. Its strongest component is problem-loan coverage (80/100; 10.1%), and its lowest is capital cushion (39/100; 8.86%).
TellerScore · Q2 2026
Scorecard
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 2 points (53 → 55), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 56 |
| Q4 2024 | 53 |
| Q1 2025 | 52 |
| Q2 2025 | 53 |
| Q3 2025 | 54 |
| Q4 2025 | 54 |
| Q1 2026 | 54 |
| Q2 2026 | 55 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.62% |
| Q3 2024 | 8.67% |
| Q4 2024 | 8.66% |
| Q1 2025 | 8.38% |
| Q2 2025 | 8.25% |
| Q3 2025 | 8.53% |
| Q4 2025 | 8.68% |
| Q1 2026 | 8.71% |
| Q2 2026 | 8.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.96% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.01% |
| Q2 2025 | 0.99% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $1.2B | 8.86% | 1.03% | 0.65% | 96.9% |
| Q1 2026 | 54 | $1.2B | 8.71% | 1.09% | 0.65% | 95.9% |
| Q4 2025 | 54 | $1.2B | 8.68% | 1.17% | 0.86% | 97.9% |
| Q3 2025 | 54 | $1.1B | 8.53% | 0.95% | 0.69% | 98.9% |
| Q2 2025 | 53 | $1.1B | 8.25% | 0.99% | 0.57% | 95.5% |
| Q1 2025 | 52 | $1.1B | 8.38% | 1.01% | 0.50% | 96.4% |
| Q4 2024 | 53 | $1.0B | 8.66% | 1.15% | 0.73% | 97.2% |
| Q3 2024 | 56 | $1.0B | 8.67% | 0.96% | 0.82% | 96.0% |
| Q2 2024 | 56 | $1.0B | 8.62% | 0.96% | 0.83% | 95.1% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Guardian Credit UnionCredit union Prattville, AL | 57 out of 100, Moderate | $1.3B | 9.5% | 1.45% | vs |
| Avadian Credit UnionCredit union Birmingham, AL | 69 out of 100, Moderate | $1.4B | 10.3% | 0.46% | vs |
| Listerhill Credit UnionCredit union Sheffield, AL | 69 out of 100, Moderate | $1.5B | 11.1% | 0.62% | vs |
| Alabama One Credit UnionCredit union Tuscaloosa, AL | 59 out of 100, Moderate | $1.5B | 9.1% | 0.85% | vs |
Deposit insurance
Is my money safe at Family Savings Credit Union?
Yes. Family Savings Credit Union is a federally insured credit union (NCUA charter #68628). 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 6.8% of shares and deposits ($68.2M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.86%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
17 locations
Branches
Family Savings Credit Union lists 17 offices in 15 cities across 2 states. Most locations:
- Cartersville, GA (2)
- Rainbow City, AL (2)
- Albertville, AL (1)
- Calhoun, GA (1)
- Fort Payne, AL (1)
- Gadsden, AL (1)
- Hiram, GA (1)
- Huntsville, AL (1)
- Ider, AL (1)
- Owens Cross Roads, AL (1)
- Oxford, AL (1)
- Rockmart, GA (1)
HMDA 2025
Mortgage lending
In 2025, Family Savings Credit Union reported 1,003 home-loan applications under HMDA (LEI 549300QWWDI5EBFCNL02): 796 originated ($128,530,000 total), 115 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, 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 Savings Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68628
- RSSD ID
- 377186
- Primary regulator
- State + NCUA
- Established
- 1951
- Headquarters
- 205 Rescia Ave, Rainbow City, AL 35906
- Employees
- 326
Quick answers
Family Savings Credit Union: common questions
Is Family Savings Credit Union NCUA insured?
Yes. Family Savings Credit Union is a federally insured credit union (NCUA charter #68628). 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 Savings Credit Union's TellerScore?
55 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 Savings Credit Union have?
17 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Rainbow City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| The Exchange Bank of AlabamaBank Altoona, AL | 91 out of 100, Very strong | $392.5M | 15.3% | 0.04% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| First Bank of BoazBank Boaz, AL | 88 out of 100, Very strong | $239.8M | 19.7% | 0.05% | vs |
| Chem Family Credit UnionCredit union Anniston, AL | 88 out of 100, Very strong | $4.1M | 28.1% | 0.00% | vs |
| NobleBank & TrustBank Anniston, AL | 81 out of 100, Strong | $444.0M | 11.3% | 0.26% | vs |