# FAMILY SAVINGS
Rainbow City, AL · NCUA charter 68628 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-savings-68628

Who the members are: state charter, organized 1951, low-income designated. 78,378 members of 700,000 potential (11.2% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.17B |
| Members | 78,378 (1.3% YoY) |
| Full-time staff | 306 |
| Net worth | $102.3M |
| Net worth ratio | 8.7% (p9 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 1.09% (p83 of band) |
| Net charge-offs (annualized) | 0.43% (p39 of band) |
| Loans / shares | 96% (p82 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 5.10% |
| Net interest margin | 3.88% (p86 of band) |
| Operating expense / assets | 5.03% (p99 of band) |
| Vehicles % of loans | 37% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 196% (p67 of band) |
| Vehicle delinquency | 1.48% (p90 of band) |
| Vehicle NCO | 1.27% (p64 of band) |
| Repossessed % of vehicle book | 0.07% (p47 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 217% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 34% |
| Average share balance | $6,597 |
| Participations bought / yr | $848 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.8M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $23,438 |
| Loans granted, annualized | $323.3M |

## Participation posture (from the same filings)

Bought $848 and sold $0 in the latest annualized quarter; $7.8M outstanding purchased (7.6% of net worth), $869,573 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, delinquency 2x band, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 | members leaving | delinquency 2x band |
| 2017-06 | 5 | charge-offs p90 |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 | delinquency 2x band | repo signal, members leaving |
| 2018-03 | 4 | net worth falling | charge-offs p90 |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | loans>95% of shares |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | auto monoline | loans>95% of shares |
| 2020-06 | 5 | net worth falling, margin squeeze | delinquency 2x band |
| 2020-09 | 3 |  | auto monoline, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | loans>95% of shares |  |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 6 | thin capital, leaning on borrowings |  |
| 2023-09 | 4 |  | net worth falling, thin capital |
| 2023-12 | 4 | thin capital | expense trap |
| 2024-03 | 5 | net worth falling, expense trap | loans>95% of shares |
| 2024-06 | 5 | loans>95% of shares | net worth falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | net worth falling |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |

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

- 2026-08-13 [Family Savings Credit Union Partners with Gadsden State’s Cardinal Foundation to Advance Student Financial Literacy - Gadsden State Community College](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQR0NYaHA4cUk0dTBUWHNESWxWTDNNSHg1VjFwbl91SVZGMlNkVnRTTU1RSHROZC1EZ2NvU0dkdXBFMS11ZmNmYnMtWUJxZjRjQXpBVmx0WHdHWHdkZm1uV3pUYVBiUzNLWlo1QlRrQUxiaXBoSWJySnByMUo5YXZzOHFBOERubGxvRTc3RmJnLU92eUV5LUtFbzAxdVNVLU1hYkd4ckMzT2V4T2cyaWo4UUJWMVJOTDZXQmZBT09MZmVkSVRFU0plWjNTXzV6RUxSdFZfd09NZFZUVEZiRE9zM1FETGJBRkVSaFE?oc=5) · Gadsden State Community College
- 2026-02-10 [Alabama-owned credit union acquires 2 state locations - AL.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOY1RpY0xLLU50LUE5MFllYmZybnhLcjVqZzVDWmM4bFZqcDdDeWM1NmFzOVpJRld1RWZlWFpRR20zNkNNbm5WSE5nY0Zia1FCZmxBMVBYN0JYbkUzS2Q3Wm9ER3BidXFKY2N0c2ZCdEJVQldGX3Rxd2pzY3BTWG1GLVhrY09sN18tYjNTSE5WbmRRdGdXRHpKX1Vn?oc=5) · AL.com
- 2025-06-17 [Family Savings Credit Union acquires bank branches - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPd3lTemdLU09SY3FySzFJX0VLQThJRVRrbjk4QWpBTjhCSTJxUVVtcjBKZ1VSYjRSMTZIck4xYWs0UEVfT1cxSUo5b2l1UmJBejc4ZkpqS0VZYU1zTW8wNVJtbkxsUTJEV09oaDd5YV9aNE1Cd1ZhcjJ2WWFjMXIzOE9icTUyZnRMdUFua3JZUzJhUkI5bTFHV1dNQWRxc1dsRHFnRjJ4Y3d2dDg3?oc=5) · The Business Journals
- 2018-02-23 [FSCU’s Amy Jackson offers quality mortgage services - Gadsden Messenger](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUmlHYk55ZzcweXN3ZUxXTVlDaGtDdkdibGFPNy1pRl9uQi1OVzlZWnc4dnRtekpENjB0WTZfOXJocnB4aVdKaTZTVElyX21DTENITlNFLUlEMEotenRUcTNMN0ViaUkweDRUWm5wZkRIWWNkekluSTN4cWxVN2pSakstendxWjQ?oc=5) · Gadsden Messenger
- 2026-02-16 [Vicki Eller Obituary - Gadsden, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFAxZ1JzZUlDLWhkM2ZxZjZfemN6MVFKNVN2U0liSFpNX3dJRmJGSkVGdEhJem5DUTU1NWx1elVBWHFzb3RHdjFYU3g3V1JzeDdhalcyVEw5TGZTREx1UVpOd0Rqd1l6NjJPSGpaWmIxclRxaGdLMkVpRVVETU1WQ1E?oc=5) · Dignity Memorial
- 2024-12-06 [Holiday tour of decorated homes is today; here are the Whorton Bend homes on display - gadsdentimes.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOc1NPalFiYTFmZEpvWHNGZjVtTlZJWmtpcGhpS2N0WFJiM3F3RzZEa2NfWDVUdHJwMnpsMkdGWE14Y0dvYktSclZSMjF6TGlPWnBpZ0pMM1FoQnEyeWpGeWRzVFd6bXlmZ2JxZVVGdnZELVFLRDNVbzMxOEtleXlpOXFEMEo4TWhyVnhubVdrXzJzVUtkbDF6NGlva0twUW1jVmhSaWVTZEJZSlB1clJ6dWUtT0U3NzRpbU1vT0xROWdrd2g5Z3dybEdHMnZoRjduUUNrZmNzX05INDd2dVdNUmg0ZjNkbmF0OHNBcXJENlpHdTQ?oc=5) · gadsdentimes.com
- 2019-04-10 [Audra Burger Obituary - Gadsden, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5IblhXQ0FxR1QtcDJsQ2RvdzNJMnB3T25xWE5oSHhRSHFDOEZWSkdER2J5MU56MGtOSzRyVGlCbXlzbUJGT1J0UWMzOXlRb2Y3cWpUY2JQZmlxY2pIdHJWMzM0dDdfcW9NWjNRZmNDQmVFN0tQNnhBUWVIb2RBY0k?oc=5) · Dignity Memorial
- 2020-06-22 [Fireworks Near Me: Huntsville’s 4th Of July 2020 - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSHJjREZkRGNHLXQ5TjBYbE1TRnpyeWI1cEkzV2w3bXpHV2JQQVZHLXhtdDFTR2txVEhud0d3eWpPYll1MEZfLUJ4UjVpSzhudDBoWWpOR1VHMDlxcjhUT3kxT3NHNXIyd3ZwblhkV2g4bmlxamJuYmFjdWFGQ3hqMkxmUGdRcEhP?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68628 (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/20.json (key "68628", 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=68628
- 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.

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