FAMILY SECURITY

Charter #60605 | AL

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in AL

FAMILY SECURITY has 9 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.8% in tier
  • + Wallet Share Momentum: Top 30.5% in tier
  • + Relationship Depth Leader: Top 35.6% in tier
  • + ROA 1.31% above tier average
  • + Net Interest Margin 0.09% above tier average
  • + Net Worth Ratio: Top 2.0% in tier
  • + Efficiency Ratio: Top 2.3% in tier
  • + First Mortgage Concentration (%): Top 3.0% in tier
  • + Share Certificate Concentration (%): Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.0% in tier
  • - Indirect Auto Dependency: Bottom 3.7% in tier
  • - Credit Quality Pressure: Bottom 12.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.3% in tier
  • - Total Loans: Bottom 0.7% in tier
  • - Average Member Relationship (AMR): Bottom 1.0% in tier
  • - Loan-to-Share Ratio: Bottom 2.0% in tier
  • - Total Deposits: Bottom 2.3% in tier
  • - Total Assets: Bottom 3.9% in tier
  • - Loan Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 88,747
-0.1% YoY-0.1% QoQ
 -9.9K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 51st in tier
Assets $1.0B
+7.6% YoY+1.5% QoQ
 $-681.6M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 Bottom 3.6% in tier
Loans $426.9M
-4.8% YoY-1.2% QoQ
 $-806.2M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 Bottom 0.3% in tier
Deposits $840.4M
+5.8% YoY+0.7% QoQ
 $-613.9M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 Bottom 2.0% in tier
ROA 2.0%
-2.2% YoY-0.2% QoQ
 +1.3% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 Top 0.7% in tier
NIM 3.4%
-1.6% YoY+0.3% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 55th in tier
Efficiency Ratio 55.5%
-0.1% YoY+0.5% QoQ
 -18.5% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 2.3% in tier
Delinquency Rate 0.7%
+26.0% YoY+21.3% QoQ
 -0.2 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 48th in tier
Loan To Share 50.8%
-10.1% YoY-1.9% QoQ
 -34.4% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 Bottom 1.6% in tier
AMR $14,280
+2.1% YoY+0.1% QoQ
 $-15K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 Bottom 0.7% in tier
CD Concentration 14.0%
+8.8% YoY+3.2% QoQ
 -15.0% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 Bottom 5.5% in tier
Indirect Auto % 32.7%
-4.8% YoY-2.0% QoQ
 +13.9% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 Top 20.6% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#58 of 184 • Top 10.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.01%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.11%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#221 of 264 • Top 30.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.07%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#258 of 264 • Top 35.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.07%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Liquidity Overhang

risk
#1 of 113 • Bottom 0.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 19.28%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 50.79%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#24 of 202 • Bottom 3.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.57%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 32.73%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.11%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#99 of 217 • Bottom 12.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

2
Return on Assets (ROA)
profitability
Value: 2.01%
Peer Avg: 0.70%
#2 of 304 Top 0.3% in 1B-3B tier
7
Net Worth Ratio
risk
Value: 19.28%
Peer Avg: 11.44%
#7 of 304 Top 2.0% in 1B-3B tier
8
Efficiency Ratio
profitability
Value: 55.46%
Peer Avg: 73.97%
#8 of 304 Top 2.3% in 1B-3B tier
10
First Mortgage Concentration (%)
balance_sheet
Value: 11.48%
Peer Avg: 34.01%
#10 of 304 Top 3.0% in 1B-3B tier
19
Share Certificate Concentration (%)
balance_sheet
Value: 14.02%
Peer Avg: 28.53%
#19 of 304 Top 5.9% in 1B-3B tier
74
Asset Growth Rate
growth
Value: 7.57%
Peer Avg: 4.83%
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (8 metrics)

304
Loan-to-Member Ratio (LMR)
engagement
Value: $4,810
Peer Avg: $13,213
#304 of 304 Bottom 0.3% in 1B-3B tier
303
Total Loans
balance_sheet
Value: $426.86M
Peer Avg: $1.23B
#303 of 304 Bottom 0.7% in 1B-3B tier
302
Average Member Relationship (AMR)
engagement
Value: $14,280
Peer Avg: $29,172
#302 of 304 Bottom 1.0% in 1B-3B tier
299
Loan-to-Share Ratio
balance_sheet
Value: 50.79%
Peer Avg: 85.19%
#299 of 304 Bottom 2.0% in 1B-3B tier
298
Total Deposits
balance_sheet
Value: $840.42M
Peer Avg: $1.45B
#298 of 304 Bottom 2.3% in 1B-3B tier
293
Total Assets
balance_sheet
Value: $1.04B
Peer Avg: $1.72B
#293 of 304 Bottom 3.9% in 1B-3B tier
277
Loan Growth Rate
growth
Value: -4.84%
Peer Avg: 5.27%
#277 of 304 Bottom 9.2% in 1B-3B tier
245
Indirect Auto Concentration (%)
balance_sheet
Value: 32.73%
Peer Avg: 18.32%
#245 of 304 Bottom 19.7% in 1B-3B tier