TellerScore

Headquartered in Decatur, Alabama, Family Security Credit Union is a federally insured state-chartered credit union with $1.1B in total assets and $876.5M in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1953.

Family Security Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 5th. Capital cushion contributes the most (100/100, 19.92%); loan quality contributes the least (80/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.92%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity100/100
Loans ÷ shares: 47.7% · 2.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.30%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (95 → 95).

TellerScore
939596Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202496
Q3 202495
Q4 202494
Q1 202594
Q2 202595
Q3 202594
Q4 202594
Q1 202693
Q2 202695
Net worth ratio
7.00%13.46%19.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.21%
Q3 202418.57%
Q4 202418.96%
Q1 202518.77%
Q2 202519.08%
Q3 202519.28%
Q4 202519.59%
Q1 202619.50%
Q2 202619.92%
Delinquent loans (60+ days)
0.47%0.59%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.53%
Q4 20240.69%
Q1 20250.58%
Q2 20250.55%
Q3 20250.67%
Q4 20250.70%
Q1 20260.63%
Q2 20260.61%
Return on assets
1.77%1.93%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.09%
Q3 20242.05%
Q4 20242.10%
Q1 20251.86%
Q2 20252.01%
Q3 20252.00%
Q4 20252.04%
Q1 20261.77%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$1.1B19.92%0.61%1.98%47.7%
Q1 202693$1.1B19.50%0.63%1.77%48.0%
Q4 202594$1.1B19.59%0.70%2.04%50.0%
Q3 202594$1.0B19.28%0.67%2.00%50.8%
Q2 202595$1.0B19.08%0.55%2.01%51.8%
Q1 202594$1.0B18.77%0.58%1.86%52.3%
Q4 202494$974.8M18.96%0.69%2.10%54.7%
Q3 202495$964.9M18.57%0.53%2.05%56.5%
Q2 202496$959.1M18.21%0.47%2.09%57.1%

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).

Capital ratio19.92%
99th
Problem loans0.61%
57th
Net charge-offs0.55%
46th
Return on assets1.98%
99th
Loans to deposits47.7%
98th
Uninsured deposits2.9%
96th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
94th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Family Savings Credit UnionCredit union Rainbow City, AL55 out of 100, Moderate$1.2B8.9%1.03%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Guardian Credit UnionCredit union Prattville, AL57 out of 100, Moderate$1.3B9.5%1.45%vs
Avadian Credit UnionCredit union Birmingham, AL69 out of 100, Moderate$1.4B10.3%0.46%vs
Listerhill Credit UnionCredit union Sheffield, AL69 out of 100, Moderate$1.5B11.1%0.62%vs
Alabama One Credit UnionCredit union Tuscaloosa, AL59 out of 100, Moderate$1.5B9.1%0.85%vs

Deposit insurance

Is my money safe at Family Security Credit Union?

Yes. Family Security Credit Union is a federally insured credit union (NCUA charter #60605). 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 2.9% of shares and deposits ($25.6M) 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 19.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Family Security Credit Union lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Family Security Credit Union reported 138 home-loan applications under HMDA (LEI 254900R7YE9RG1CL6U13): 80 originated ($10,380,000 total), 48 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 37.5%, 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 Security Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60605
RSSD ID
462699
Primary regulator
State + NCUA
Established
1953
Headquarters
2204 Family Security Pl SW, Decatur, AL 35603
Employees
227

Quick answers

Family Security Credit Union: common questions

Is Family Security Credit Union NCUA insured?

Yes. Family Security Credit Union is a federally insured credit union (NCUA charter #60605). 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 Security Credit Union's TellerScore?

95 out of 100 (Very strong), 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 Security Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Decatur

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
TVA Community Credit UnionCredit union Muscle Shoals, AL90 out of 100, Very strong$429.0M18.4%0.32%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs
Nova BankBank Huntsville, AL82 out of 100, Strong$91.2M28.1%0.00%vs