FAMILY SAVINGS

Charter #68628 | AL

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

FAMILY SAVINGS has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.8% in tier
  • + Emerging Performer: Top 15.1% in tier
  • + Relationship Depth Leader: Top 16.2% in tier
  • + Organic Growth Engine: Top 25.0% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Fee Income Per Member: Top 6.6% in tier
  • + Loan Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.5% in tier
  • - Indirect Auto Dependency: Bottom 13.2% in tier
  • - Efficiency Drag: Bottom 17.9% in tier
  • - ROA 0.02% below tier average
  • - Efficiency ratio 7.68% above tier (higher cost structure)
  • - Delinquency rate 0.12% above tier average
  • - Net Worth Ratio: Bottom 5.3% in tier
  • - Members Per Employee (MPE): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 78,123
+2.1% YoY+0.3% QoQ
 -20.6K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $1.1B
+9.4% YoY-0.5% QoQ
 $-590.8M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 Bottom 14.1% in tier
Loans $947.6M
+13.6% YoY+2.9% QoQ
 $-285.4M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 33rd in tier
Deposits $958.1M
+10.2% YoY-0.7% QoQ
 $-496.2M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 Bottom 14.8% in tier
ROA 0.7%
-17.4% YoY+17.5% QoQ
 -0.0% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 3.7%
+4.2% YoY+2.1% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 Top 21.4% in tier
Efficiency Ratio 81.7%
+7.5% YoY-3.4% QoQ
 +7.7% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 18.8% in tier
Delinquency Rate 0.9%
-1.0% YoY-4.0% QoQ
 +0.1 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 98.9%
+3.1% YoY+3.6% QoQ
 +13.7% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 17.1% in tier
AMR $24,394
+9.6% YoY+0.7% QoQ
 $-5K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 31st in tier
CD Concentration 36.0%
+2.2% YoY-1.2% QoQ
 +7.0% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 Top 20.3% in tier
Indirect Auto % 21.8%
-15.4% YoY-3.3% QoQ
 +3.0% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 62nd in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#36 of 264 • Top 4.8% in tier

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

Why This Signature
AMR Growth (YoY): 9.60%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Emerging Performer

growth
#81 of 184 • Top 15.1% in tier

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

Why This Signature
Return on Assets: 0.69%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.06%
(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 | Rank worsening

Relationship Depth Leader

growth
#118 of 264 • Top 16.2% in tier

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

Why This Signature
AMR Growth (YoY): 9.60%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(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 | Rank worsening

Organic Growth Engine

growth
#182 of 246 • Top 25.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.06%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.69%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 21.75%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk
#30 of 183 • Bottom 5.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.91%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.59%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#82 of 202 • Bottom 13.2% in tier

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

Why This Signature
Asset Growth (YoY): 9.36%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.75%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.06%
(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

Efficiency Drag

risk
#60 of 96 • Bottom 17.9% in tier

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

Why This Signature
Efficiency Ratio: 81.65%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.06%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

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 (8 metrics)

21
Fee Income Per Member
profitability
Value: $331.64
Peer Avg: $210.52
#21 of 304 Top 6.6% in 1B-3B tier
30
Loan Growth Rate
growth
Value: 13.59%
Peer Avg: 5.27%
#30 of 304 Top 9.5% in 1B-3B tier
32
AMR Growth Rate
growth
Value: 9.60%
Peer Avg: 3.29%
#32 of 304 Top 10.2% in 1B-3B tier
42
Deposit Growth Rate
growth
Value: 10.20%
Peer Avg: 5.58%
#42 of 304 Top 13.5% in 1B-3B tier
52
Asset Growth Rate
growth
Value: 9.36%
Peer Avg: 4.83%
#52 of 304 Top 16.8% in 1B-3B tier
52
Loan-to-Share Ratio
balance_sheet
Value: 98.91%
Peer Avg: 85.19%
#52 of 304 Top 16.8% in 1B-3B tier
52
First Mortgage Concentration (%)
balance_sheet
Value: 19.82%
Peer Avg: 34.01%
#52 of 304 Top 16.8% in 1B-3B tier
65
Net Interest Margin (NIM)
profitability
Value: 3.71%
Peer Avg: 3.26%
#65 of 304 Top 21.1% in 1B-3B tier

Top Weaknesses (6 metrics)

289
Net Worth Ratio
risk
Value: 8.53%
Peer Avg: 11.44%
#289 of 304 Bottom 5.3% in 1B-3B tier
283
Members Per Employee (MPE)
engagement
Value: 254.472
Peer Avg: 364.953
#283 of 304 Bottom 7.2% in 1B-3B tier
261
Total Assets
balance_sheet
Value: $1.13B
Peer Avg: $1.72B
#261 of 304 Bottom 14.5% in 1B-3B tier
259
Total Deposits
balance_sheet
Value: $958.10M
Peer Avg: $1.45B
#259 of 304 Bottom 15.1% in 1B-3B tier
249
Share Certificate Concentration (%)
balance_sheet
Value: 36.03%
Peer Avg: 28.53%
#249 of 304 Bottom 18.4% in 1B-3B tier
248
Efficiency Ratio
profitability
Value: 81.65%
Peer Avg: 73.97%
#248 of 304 Bottom 18.8% in 1B-3B tier