# FAMILY SECURITY
Decatur, AL · NCUA charter 60605 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-security-60605

Who the members are: state charter, organized 1953, low-income designated. 88,783 members of 3,263,033 potential (2.7% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. 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 | $1.08B |
| Members | 88,783 (0.2% YoY) |
| Full-time staff | 218 |
| Net worth | $210.9M |
| Net worth ratio | 19.5% (p99 of band) |
| ROA (annualized) | 1.77% (p97 of band) |
| Total delinquency | 0.63% (p52 of band) |
| Net charge-offs (annualized) | 0.61% (p60 of band) |
| Loans / shares | 48% (p2 of band) |
| Cash / assets | 29.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p47 of band) |
| Operating expense / assets | 2.81% (p29 of band) |
| Vehicles % of loans | 61% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 79% (p34 of band) |
| Vehicle delinquency | 0.79% (p67 of band) |
| Vehicle NCO | 1.03% (p53 of band) |
| Repossessed % of vehicle book | 0.09% (p54 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 14% |
| Average share balance | $5,681 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $9,985 |
| Loans granted, annualized | $195.7M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2022-06-03 [ATM stolen from Family Security Credit Union location in Madison - WAFF](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZFZvYTJVWW9iejV3em9WRWdvTmN0Tkl4UlU1VmIyX2tKNk12Q2xmc1RGWGROQXNGM3NmMDBMSG5rTlppcUhZNTlkMk8tWDluUm00YkxyTnMxUGg1UmM5RkhUV0NRZ24xLUZCa3FmWjdfT0VSSHZaOXJYNzJrRVFtMXZaNVZZWTZHVmQtSXpEOEItcTDSAacBQVVfeXFMTm5KV05BMHpia0NWczNXb285ZlpJVHFtWXRrclNZQkVlSzlZT3Q0b2lmbVRUbDVsNmdBOThoVmM0bUNjOXRaaERyNVlHVEVTbi1ydERNNWlBQUdaU1dDQ2N0ZF95WDVhaTRZUloyZHFTNG1oVFE3dGE5Q25oLTNYUHN0WUozMVJieERGN2h0UnF3Xzk2akM0VWsxWWhpZGNmMW16WEQzbzQ?oc=5) · WAFF
- 2023-01-13 [Boaz man enters guilty plea in credit union parking lot shooting - sandmountainreporter.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQRkU0ZFM0V1BHOFZ6Y0JkVTNodHJKUW5MNE5NenZnaVpBUnUtOUUwNDhKaFFGMkVTaXJsZlg1cUJST1V2eE0zbFZ1bXNtQWRzeExyQ3o1bVFCRC1Tbl9aLWEyMV9LNHEtQV9aX3F1ejNaVzdIZHV2SGo2aUg1YmhBallvX3lVbDJwV1didlRzWFFKNWo5ZEZBaWRGR0RPdw?oc=5) · sandmountainreporter.com
- 2022-10-22 [Thomas Light Obituary Oct 22, 2022 - Jefferson Memorial Funeral Home and Gardens](https://news.google.com/rss/articles/CBMiXkFVX3lxTE8xVjNqVC1jQmpIX1FydzVScFZ6eWRwSzBnLTFYRGNlcllHSExyTUFYdENEajRlWnFMVTY0ZnZVejRnR2NIblYwQ096V2hnRnZDRzI5cnFmejMxVVBHaXc?oc=5) · Jefferson Memorial Funeral Home and Gardens
- 2025-03-19 [Mobile police investigate bank robbery on Airport Boulevard; suspect arrested - fox10tv.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUWlnR2xhcTZDV0dNTzUxQzhyUVRTXzhHZWttdEhvWHdxMjFBb1hUNm9zOHJQVmR0MWdwbDFqbUNSdFFRZzBOeVpUT0NmNEtXdVA3MlhZU2l6U3I0Z01LTnhkVFZYR3MtODQxY3ZNSXB4S001WnRvVV9XRXFtNWo1RFQ0cXl0RmZRTGZWZmJYSXLSAaQBQVVfeXFMT3pQeF9LdXIyUVZtOENvMjBjV0lFMjZPOXd6Z3pYN1lxYkd0RkgtQUNFN1FfcXhWZ0M0S0dPUzJFS1k3b2dVb2ZTdEFwcC1ERGpkUnJ5Q1pqYWZlOEtsVEVGNU5SQmEtcmtGR1R2OEE0aWs0cnh1enlwb1lULWE3V3JaeUYtY0h1OXVIeHc3M0gzX0VPTXNOTmVVV1N5ZG1kd1ZmR0I?oc=5) · fox10tv.com
- 2016-12-23 [Family Security Credit Union customers targeted by skimming device - WAFF](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQTJPVUR5QXJBMmNYMjIyWTV2U1Q5Qk5QcWNFdW9Hb0JpckJRWkRaandzWmpQLXMxOEtCYlNvUDNueVROTzgtMWdpZ1N2MWVBelcyblNDay1JUEhYQkRiN1hZbDhyMy02ODlTVzZCUlhfZW50RS0tQTRGRVR4cWpSU0hqVGc0ZEc2NVlsT1ZmYmJNSnN2bzRmbC1GUnVZeTI5VlN5bEhn?oc=5) · WAFF
- 2010-05-24 [Business Spotlight: Family Security Credit Union - The Cullman Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWml4anRWZmsxcTN0T1VLajM4c0JJVkZ3QjdKdVc1cUpiaHBnSXFrUmVjalBlY0pTQmI1UVZBaUh1c09sTVkzWXpjbk8zeUxEa1NnNDN3Z1diMzNvTG1YS21yOVhqM2xWZEJ0OHZBMjhZU012eVAyN21HTlVLT3h6NWJuT2o1YnN0Zlk1cQ?oc=5) · The Cullman Times
- 2018-03-17 [Dawn Nichols Obituary - Decatur, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE8tS2NZTlRlMzdiUUpYYkVmYU1VcEQycXFORm82VnBKeWhIbGVMd2kyNkRMX0VlVnRsRXkwUTUxdHBkYjBwY3ZYUXBHSUcyX2tvMlpsOFRnQUJCX1pRZDU0bjBmQlpjQTFuSHJFejNDaHZzSnVacWo3VjJKbUZ1QzQ?oc=5) · Dignity Memorial
- 2020-02-19 [Police identify suspect, victim killed outside Boaz credit union - WAFF](https://news.google.com/rss/articles/CBMif0FVX3lxTE5jcDVZZVNDWWFkNFZDNlNDUEtHUzliWDgwVGkyNEdaeHBlV2lscGFCN2RKcmhkM3dwUGt4dmtxenB1T1FwdVBnUlVhSE5tTEN4cEwwbkNzc3lUMmVMUTViU2ljclVubkFSWFBxam5feS00MGw0OFZGZExuWnpxQ2PSAZMBQVVfeXFMTUpabGxVUWFtV2R0SmhuN29ka29lRFBIczlCcm8xaWk0UEExY002X0plY05TemtZdEtNdk4yVXZ3dnpuRmhBQUhIRFI5eS1jYXRWZS1TNDRjR21YZk9iOUNXY01zb2ZHcldoZlFRME5fWHI2S2d1MFdEaXdzUDEydXJFaHczWnF1VkhVUEJLSWVLc01j?oc=5) · WAFF

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60605 (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/61.json (key "60605", 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=60605
- 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