FAMILY FIRST

Charter #61831 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

FAMILY FIRST has 6 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.0% in tier
  • + Relationship Depth Leader: Top 12.9% in tier
  • + Emerging Performer: Top 33.3% in tier
  • + Net Interest Margin 0.11% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + AMR Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 2.1% in tier
  • - Credit Quality Pressure: Bottom 6.8% in tier
  • - Efficiency Drag: Bottom 13.8% in tier
  • - Stagnation Risk: Bottom 19.9% in tier
  • - Liquidity Overhang: Bottom 20.2% in tier
  • - ROA 0.59% below tier average
  • - Efficiency ratio 10.88% above tier (higher cost structure)
  • - Delinquency rate 1.35% above tier average
  • - Member decline: -9.8% YoY
  • - Member Growth Rate: Bottom 3.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 10,646
-9.8% YoY-1.1% QoQ
 -5.0K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $133.6M
+1.9% YoY-1.5% QoQ
 $-97.7M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Bottom 22.0% in tier
Loans $84.9M
-0.3% YoY+0.1% QoQ
 $-62.9M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Bottom 25.0% in tier
Deposits $115.3M
+1.8% YoY-1.6% QoQ
 $-85.0M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Bottom 21.6% in tier
ROA 0.2%
+52.3% YoY+58.1% QoQ
 -0.6% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Bottom 13.2% in tier
NIM 3.7%
+2.9% YoY+1.8% QoQ
 +0.1% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 56th in tier
Efficiency Ratio 88.2%
-2.5% YoY-2.2% QoQ
 +10.9% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 13.9% in tier
Delinquency Rate 2.2%
+24.8% YoY+20.0% QoQ
 +1.3 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Top 4.8% in tier
Loan To Share 73.6%
-2.0% YoY+1.8% QoQ
 +0.9% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 49th in tier
AMR $18,804
+11.9% YoY+0.2% QoQ
 $-6K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 28th in tier
CD Concentration 18.7%
+7.3% YoY+0.8% QoQ
 -5.7% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#83 of 1006 • Top 3.0% in tier

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

Why This Signature
AMR Growth (YoY): 11.86%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#356 of 1006 • Top 12.9% in tier

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

Why This Signature
AMR Growth (YoY): 11.86%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#625 of 627 • Top 33.3% in tier

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

Why This Signature
Return on Assets: 0.20%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -9.80%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline
#36 of 550 • Bottom 2.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#169 of 736 • Bottom 6.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.44% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#245 of 521 • Bottom 13.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 88.16%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -9.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk
#328 of 550 • Bottom 19.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.20%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -9.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.8K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 18.70%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Overhang

risk
#314 of 552 • Bottom 20.2% 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: 13.48%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 73.59%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
68
AMR Growth Rate
growth
Value: 11.86%
Peer Avg: 3.64%
#68 of 1077 Top 6.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1043
Member Growth Rate
growth
Value: -9.80%
Peer Avg: 0.72%
#1043 of 1077 Bottom 3.2% in 100M-500M tier
1026
Total Delinquency Rate (60+ days)
risk
Value: 2.21%
Peer Avg: 0.86%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
935
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Avg: 0.79%
#935 of 1077 Bottom 13.3% in 100M-500M tier
935
Fee Income Per Member
profitability
Value: $95.70
Peer Avg: $174.31
#935 of 1077 Bottom 13.3% in 100M-500M tier
928
Efficiency Ratio
profitability
Value: 88.16%
Peer Avg: 77.28%
#928 of 1077 Bottom 13.9% in 100M-500M tier
844
Total Deposits
balance_sheet
Value: $115.32M
Peer Avg: $200.29M
#844 of 1077 Bottom 21.7% in 100M-500M tier
840
Total Assets
balance_sheet
Value: $133.61M
Peer Avg: $231.30M
#840 of 1077 Bottom 22.1% in 100M-500M tier