TellerScore

Family Trust Federal Credit Union is a federal credit union headquartered in Rock Hill, South Carolina, in business for about 69 years. At the end of Q2 2026 it reported $805.4M in total assets and $675.5M in member shares and deposits, with 6 offices.

Based on its Q2 2026 filing, Family Trust Federal Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 27th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is earnings (61/100; 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.85%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity66/100
Loans ÷ shares: 94.6% · 8.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.95%

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 (73 → 71), mostly because the loan quality component weakened by 6 points.

TellerScore
707274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202474
Q4 202473
Q1 202572
Q2 202573
Q3 202573
Q4 202570
Q1 202670
Q2 202671
Net worth ratio
7.00%9.46%11.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.77%
Q3 202411.21%
Q4 202411.49%
Q1 202511.31%
Q2 202511.62%
Q3 202511.84%
Q4 202511.92%
Q1 202611.56%
Q2 202611.85%
Delinquent loans (60+ days)
0.43%0.61%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.55%
Q4 20240.75%
Q1 20250.43%
Q2 20250.54%
Q3 20250.63%
Q4 20250.79%
Q1 20260.56%
Q2 20260.73%
Return on assets
0.87%1.12%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.36%
Q4 20241.35%
Q1 20250.99%
Q2 20251.12%
Q3 20251.12%
Q4 20251.04%
Q1 20260.87%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$805.4M11.85%0.73%1.04%94.6%
Q1 202670$804.3M11.56%0.56%0.87%93.3%
Q4 202570$774.8M11.92%0.79%1.04%94.6%
Q3 202573$766.3M11.84%0.63%1.12%91.1%
Q2 202573$762.1M11.62%0.54%1.12%90.7%
Q1 202572$762.0M11.31%0.43%0.99%89.2%
Q4 202473$743.7M11.49%0.75%1.35%89.9%
Q3 202474$740.2M11.21%0.55%1.36%88.8%
Q2 202472$745.0M10.77%0.55%1.30%87.7%

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 ratio11.85%
56th
Problem loans0.73%
47th
Net charge-offs0.42%
44th
Return on assets1.04%
68th
Loans to deposits94.6%
8th
Uninsured deposits8.4%
26th
Loan-loss reserves0.00%
50th
Texas ratio4.9%
40th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Cpm Federal Credit UnionCredit union North Charlesto, SC46 out of 100, Below average$759.3M8.9%1.92%vs
Spero Financial Federal Credit UnionCredit union Greenville, SC50 out of 100, Below average$701.5M8.3%0.94%vs
Greenville Federal Credit UnionCredit union Greenville, SC71 out of 100, Strong$512.3M11.0%0.50%vs
Carolina Trust Federal Credit UnionCredit union Myrtle Beach, SC64 out of 100, Moderate$422.0M10.0%0.83%vs
Mtc Federal Credit UnionCredit union Greenville, SC67 out of 100, Moderate$302.6M12.7%0.90%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Family Trust Federal Credit Union?

Yes. Family Trust Federal Credit Union is a federally insured credit union (NCUA charter #11554). 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 8.4% of shares and deposits ($56.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.85%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Family Trust Federal Credit Union lists 6 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Family Trust Federal Credit Union reported 146 home-loan applications under HMDA (LEI 254900756YRTYX32I428): 118 originated ($26,030,000 total), 14 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, 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 Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
11554
RSSD ID
930488
Primary regulator
NCUA
Established
1957
Headquarters
PO Drawer 10233, Rock Hill, SC 29731
Employees
144

Quick answers

Family Trust Federal Credit Union: common questions

Is Family Trust Federal Credit Union NCUA insured?

Yes. Family Trust Federal Credit Union is a federally insured credit union (NCUA charter #11554). 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 Trust Federal Credit Union's TellerScore?

71 out of 100 (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 Trust Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
Cedar Hill National BankBank Charlotte, NC93 out of 100, Very strong$16.0M67.6%0.00%vs
Bank of YorkBank York, SC83 out of 100, Strong$317.7M12.9%0.86%vs
Spratt Savings BankBank Chester, SC82 out of 100, Strong$154.4M20.4%0.23%vs
American Bank of the CarolinasBank Monroe, NC80 out of 100, Strong$214.0M12.3%0.00%vs
Founders Federal Credit UnionCredit union Lancaster, SC79 out of 100, Strong$5.2B13.6%0.68%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs