# FAMILY FIRST
HAPEVILLE, GA · NCUA charter 61831 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-first-61831

Who the members are: state charter, organized 1930. 10,400 members of 20,000 potential (52.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 1326.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $133.7M |
| Members | 10,400 (-4.0% YoY) |
| Full-time staff | 30 |
| Net worth | $18.1M |
| Net worth ratio | 13.5% (p72 of band) |
| ROA (annualized) | 0.40% (p31 of band) |
| Total delinquency | 2.03% (p94 of band) |
| Net charge-offs (annualized) | 0.50% (p67 of band) |
| Loans / shares | 73% (p57 of band) |
| Cash / assets | 17.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p59 of band) |
| Operating expense / assets | 3.95% (p61 of band) |
| Vehicles % of loans | 42% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 87% (p67 of band) |
| Vehicle delinquency | 0.78% (p61 of band) |
| Vehicle NCO | 1.35% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 20% |
| Average share balance | $6,109 |
| Participations bought / yr | $7.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $21.0M |
| Loans outstanding per 100 members | 1326% |
| Loans granted per 100 members, annualized | 465% |
| Average loan balance | $611 |
| Loans granted, annualized | $31.1M |

## Participation posture (from the same filings)

Bought $7.0M and sold $0 in the latest annualized quarter; $21.0M outstanding purchased (116.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.6% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | net worth falling | delinquency 2x band |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 | delinquency 2x band | losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 0 |  | delinquency 2x band |
| 2018-12 | 1 | delinquency 2x band |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 3 | assets shrinking, members leaving |  |
| 2020-03 | 1 |  | charge-offs p90, assets shrinking |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2020-09 | 4 | charge-offs p90 | delinquency 2x band |
| 2020-12 | 3 |  | charge-offs p90 |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 3 |  | delinquency 2x band |
| 2021-09 | 2 |  | members leaving |
| 2021-12 | 2 | delinquency 2x band | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | net worth falling, losing money | assets shrinking |
| 2024-09 | 1 |  | net worth falling, losing money |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2015-08-31 [MBA Adds 28 New Members - National Mortgage Professional](https://news.google.com/rss/articles/CBMigAFBVV95cUxPSmlGaGN1UUlyTVBzUHVIVWZ6UENzcVo5T0hpM3FaMVBqSjNTMVN1cGJWbE11N2ltMGRSZFRWMzlMcHJwS1NSazhfdmgweDl0bWpjYkFlWkdSZ2JNMFc2OGI2dWhFblNKOHVtYXR6ejBWVzhtUFpyQWJqeVh2NEdwcA?oc=5) · National Mortgage Professional
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2023-03-08 [‘Janet Jackson: Family First’ Documentary in the Works - Rated R&B](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTndlaTBxenJHWGYyOFdXMDNHMFE2bENNX1JaUGtXTWNRR2Z6YlJqUDdHaWNQdjYtT0E3cDUxQ0lhbEJSeHlJeF83eGFjRHNpNE1fVFFwdndqeF9LZ2g0MnRlVGdRdXNxY25YY0RZOEdGN2QyQVRKRnJwTmVOc29oZXB2TElJRERa?oc=5) · Rated R&B
- 2007-03-26 [Biz Bits - The Augusta Chronicle](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNzV3ckFjeFRlbk5sOVdzNmNKdjctVkhGZHhXRUFzbC12LVNRSHFhZlFwbUFhNDFfYmUyc0Z1N2c5dUNmQ3o4b1lQOFlpN05ydmdLQjRzUUVOSVd1Z3ZRVnNDWlJKVEZGRG5fMXpraWlGNGRKc3h2UUFsSjJERnJkeXA0ZmxZVDN0OURCaUR2eW1ZQQ?oc=5) · The Augusta Chronicle
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2018-04-14 [Thomas Melson Shellnutt Sr. Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMikwFBVV95cUxNMWV0X2daV1h2SmpuZ0FVRGRNYkg5R3FEbWJqNVJ2NTlTV1A4VVZPYkRKZnlBb0hub1NHX1g4eEV4UFJVQ1ZtQ19leUdhbXB2Vnc0WGxuTG91TTNrU0d1bU04WlpDZGhCR1Q4TEdPM3pQUXktQ2dLTnVseFhyY1FuSTVkb1MzME5CN1BMNThsUFluZ0E?oc=5) · Dignity Memorial
- 2024-05-16 [| The Batavian - The Batavian](https://news.google.com/rss/articles/CBMicEFVX3lxTE1zQ3BoNDRqa2xlYXZ0UGgxbWJpSGFmQ05vSXdMTzZXQ3pqUElCYzFhWlhPQlVWTlVfQTdybl9mZE5TWkw4V0t2ZXZ4S2xMM0w3UHEyLWNENHhXamdsUEZSMU1uYmdsWWdBS2traEVvMU0?oc=5) · The Batavian
- 2021-06-28 [Carl Blouin Obituary (2018) - New Orleans, LA - The Times-Picayune - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZS0xa2xhZ0hqblplazR3UXVvZ2hUT18yRlhuYlQxYTNJS2JocWptREJMQ2x0YndEVHZCLXhhd1RIYWE1Uy1mcmdqbGlZQ1FaMkQ0Wi1GUE04WHp3X1BNeUhWRkQ0THR0YWxTbGhzLU9Sb3NTSzI3ZkN6aWstZ2xlMV82Sjc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61831 (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/7.json (key "61831", 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=61831
- 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