Saginaw, Michigan · Peer group 5
Family First Credit Union
Family First Credit Union holds $100.5M in assets across 5,405 members as of Q1 2026 — about $19K of assets per member, on a charter dating to 1939. Charter number 61909, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $100.5M |
|---|---|
| Total loans | $47.3M |
| Total shares (deposits) | $91.7M |
| Net worth | $9.4M |
| Members | 5,405 |
| Assets per member | $19K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.0% | |
|---|---|---|
| Loans | 0.7% | around the 39th percentile of its peer group |
| Deposits | -6.2% | lower than 97% of its peer group |
| Members | -1.5% | around the 36th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 51.6% | around the 14th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.4% | around the 19th percentile of its peer group |
| Return on assets | -0.41% | lower than 96% of its peer group |
| Delinquency ratio | 2.07% | higher than 95% of its peer group |
| Cash / assets | 13.8% | around the 74th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Family First Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Route 31 Credit Union
Muskegon, MI
$101.5M · 9,472 members
- Compass Credit Union
Sparta, MI
$101.7M · 7,528 members
- Great Lakes First Credit Union
ESCANABA, MI
$105.7M · 7,434 members
- Traverse Catholic Credit Union
TRAVERSE CITY, MI
$92.6M · 6,697 members
- The Local Credit Union
Sterling Height, MI
$109.2M · 9,526 members
- Total Community Credit Union
TAYLOR, MI
$109.8M · 6,368 members
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