# FAMILY TRUST
Rock Hill, SC · NCUA charter 11554 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-trust-11554

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 59,524 members of 890,012 potential (6.7% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $804.3M |
| Members | 59,524 (4.0% YoY) |
| Full-time staff | 134 |
| Net worth | $93.0M |
| Net worth ratio | 11.6% (p67 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 0.56% (p48 of band) |
| Net charge-offs (annualized) | 0.41% (p50 of band) |
| Loans / shares | 93% (p87 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 2.80% |
| Net interest margin | 3.55% (p58 of band) |
| Operating expense / assets | 3.80% (p63 of band) |
| Vehicles % of loans | 43% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 188% (p71 of band) |
| Vehicle delinquency | 0.26% (p19 of band) |
| Vehicle NCO | 0.33% (p20 of band) |
| Repossessed % of vehicle book | 0.00% (p36 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 27% |
| Average share balance | $5,373 |
| Participations bought / yr | $20.0M |
| Participations sold / yr | $1.2M |
| Participations outstanding | $28.2M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,637 |
| Loans granted, annualized | $231.7M |

## Participation posture (from the same filings)

Bought $20.0M and sold $1.2M in the latest annualized quarter; $28.2M outstanding purchased (30.3% of net worth), $15.2M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 | margin squeeze | members leaving |
| 2020-09 | 1 |  | leaning on borrowings, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | 3rd-party paper>100% NW | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-23 [Family Trust Federal Credit Union celebrates one year in Greenville, supporting local growth and members - CUInsight](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPUDVFVHBkbG0wTDVPZU9MUmlkTXJpWVhPcUVEQ1ZoNFZkbVpHWV9PbnZlVzRaaWhoaGMteHZxVVZPQkNCVUlGbjZBRWpFVmJKbThIUGxpNjVNVDdYSEJITWlKam5GS2psWHBGdkE5ZkNLMExqWlBPUXNFck1TWi1UQWxnWUxtVUI3SzRpSzMwRlBjV1hQb3ZUeDFIUHZ3TUhJczlNSXZBUkZ3bHpiU3VKa0NhdzYyQjQtOHg0dVVUNWluS0RXRy1hWEtXNkc3MTZOLWJXOWRhUDVMWEw2?oc=5) · CUInsight
- 2025-08-20 [New mural unveiled at Family Trust Federal Credit Union branch in Greenville - Greenville Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxPWXh3elpKeVlRd1R2WkZ1R1dRcmVTbWhuR2pqdDJ2ODBCNGptWWgyZzF1RmNIdmxFY2pQZ21LR2hfZ2s3ZU10TlE4SDh5dGNBY3Zxc0JYeWl1bEk0ZlRXaG9CbEp6eFF1b0lTUi0xOGJPblR3anJhMFliVTBpYXF0R2lqdmtWQjJWWW9DT3BtQUVINS1qOG9ObW1qa1JpRjVhYkVxUTBHZ1lwZkg4NkpTSlNpcXgzNjVlbzNXag?oc=5) · Greenville Journal
- 2025-03-26 [Family Trust Federal Credit Union expands to Greenville - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWmp3cW9SRlZDU3ZHTnB2NGRVaE9fSlBteElFTGJMRWdWWFhkc21UZHRPN1RTS1hFcmdWOWo2M2FXZmhaOXpzZkVnOU9iVmJYTTBpemgwRzJqYUJUOXdORXF0X3haWXhHYURaalBNM3JWLThUemtVS2ZzMHNldlMwUGlsMVVSLWNtT2YxWkpaUUhiVnlSQW1sYTJFVDM?oc=5) · CUInsight
- 2025-03-26 [Family Trust Federal Credit Union opens Greenville branch - upstate business journal](https://news.google.com/rss/articles/CBMinwFBVV95cUxNcjZqSjZ0a0dQcFJYMjgwUU10NHZZcFk0dlh2Sm91MXAtSlp2XzQxUUhrdWNnYlg2N0NoN2ZvbkoxTVdTM1dlUWlIU19MdWJ2VGJlWldWQzZRbkVVaVpVZTVkTnUxSDNFa09Db0pBWU9nYVBOR1hCaGNQLWZiTXpTZUJMUEU3Wi16NEc5TEVrVUdzazd4NkFDRU9SRHd3LUE?oc=5) · upstate business journal
- 2023-08-23 [Family Trust Federal Credit Union Appoints Ryan Harvey As CEO - citybiz](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZ3pwLUFzMG8zYzdxTFJkZXBYeWFmbEtLOHNZYk1tb0QwMGxOd2RfbWJuYUhQUXRqV29hRDJVTG5saHhuM1MtSng3cnZBZWdxZU9CcDRwUlQteUNPVHdDbzNuR1B3X1pDeXdFMHJNVThxM2ZrUEtveHVoMG1hUjJnaHRPT0FSSkRNMHgwRUU0Sk5KTld5QUdVbzlZelVrUVRFdkE?oc=5) · citybiz
- 2023-09-28 [Suspect charged after robbery note passed at Rock Hill credit union, police say - Rock Hill Herald](https://news.google.com/rss/articles/CBMidkFVX3lxTE1ybEY3ejRpQnNFTW9tbF9JN2ZmQm45U1hqdW4tNlhIUjVNUmxDMlptWVMyMjZCdDZoQ1BSX3dkUmNTSGNjLTVPMjNkWERsR2VoeW1KcUQ3cFRMNE1FQ2Y0eTRadFpIeWZPUVlwOTFZakZneG9SM2fSAXZBVV95cUxNUXhYcU12MDltWXJxMlFyS0FlWVRsUUcxOXBsTFNCY01iZkFlVmFnSWVqaThHcTNndGpma1d1V0VaamhCSGMtYWNWLXdwN0ZmN25xN1B0TlF0ZzAwOHFsanl1aFVuaVJVZFhGXzVSdzRWQ1loUzdn?oc=5) · Rock Hill Herald
- 2025-07-28 [Family Trust Federal Credit Union named Best Credit Union in South Carolina by Forbes - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxPUWF5V1RBZ1JOeTBVSnVCVWhZcGxQREhnQm4yOXZLb1o5QkpnYW1WQkdZbmMxZm0wQUpXMjZmc0dNTUx1OUxnVGhEMEo0T0Y0WEtqcWowdDRiNEUxWXZ5ZXl1WENzOE8wSzNJMEdMMTlHTGZwejVHS0tUX2pPajhzMVRSajlLM1BnSEhnbU5OZDVLUDY5U1NPMkhpQTZndVBCSC16Z3JIS1FsR0dWYWdmd2NYbEVtSk9hT3BNQmFWSXRoQks2?oc=5) · CUInsight
- 2025-01-24 [Paying It Forward: Family Trust Federal Credit Union Seeks Scholarship Applicants - citybiz](https://news.google.com/rss/articles/CBMiWEFVX3lxTE0xamt5TEhCdFQyZkEwcjFaOEtrSklxODBGbVZVZERQbGlqVThrVlRzV0RCQzdFQ2d3azNKRnVVTUVNNnBkcDdZcmZXdS1GTmkzLVZmd0pNZTU?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11554 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "11554", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11554
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide