Family First Hapeville, GA · Charter 61831 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 4 branches
Q2 2026
$136.3M Assets
$89.6M Loans
$117.8M Shares
$18.4M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 63% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19). Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 18 of 19). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.66%
Rank 10 of 19
Net Interest Margin
3.87%
Rank 7 of 19
Efficiency Ratio
82.31%
Rank 8 of 19
Equity / Assets
13.48%
Rank 9 of 19
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.66% -0.11% 0.66% 1.27% Beats 47% 10 / 19 Return on Equity 4.88% -0.53% 4.88% 8.56% Beats 47% 10 / 19 Net Interest Margin 3.87% 3.04% 3.58% 4.03% Beats 63% 7 / 19 Efficiency Ratio 82.31% 67.29% 83.22% 91.36% Beats 63% 8 / 19 Asset Quality Nonperforming Loans / Loans 1.94% 0.10% 0.50% 1.13% Beats 11% 18 / 19 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 13.48% 10.58% 12.87% 17.85% Beats 53% 9 / 19 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 13.48% 10.58% 12.87% 17.85% Beats 53% 9 / 19 Liquidity & Funding Loans / Deposits 76.10% 41.38% 66.89% 77.97% 68th pctl 6 / 19 Loans / Assets 65.75% 33.12% 56.90% 65.75% 74th pctl 5 / 19 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11