Charter 68628 · Rainbow City, AL
Family Savings Credit Union
Family Savings Credit Union is a state-chartered credit union in Rainbow City, Alabama, with $1.18 billion in assets and 78,572 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.86%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.18 billion
- +3.7% in a year
- Members
- 78,572
- +0.9% in a year
- Net worth ratio
- 8.86%
- Peer median 10.79%
- Loans 60+ days late
- 1.03%
- Peer median 0.67%
- Loans outstanding
- $968 million
- +5.1% in a year
- Shares and deposits
- $1000 million
- +3.6% in a year
- Branches
- 18
- 326 employees
- Opened
- 1951
- Alabama charter
How Family Savings Credit Union compares
NCUA groups credit unions by size; Family Savings Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.86% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.03%, is higher than the group median of 0.67%. Loans grew 5.1% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 12 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.18 billion | 78,572 | $968 million | 8.86% | 1.03% |
| Q1 2026 | $1.17 billion | 78,378 | $958 million | 8.71% | 1.09% |
| Q4 2025 | $1.16 billion | 77,957 | $963 million | 8.68% | 1.17% |
| Q3 2025 | $1.13 billion | 78,123 | $948 million | 8.53% | 0.95% |
| Q2 2025 | $1.13 billion | 77,885 | $921 million | 8.25% | 0.99% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 700,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 17 sites for Family Savings Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Rainbow City Branch
3003 2Nd St, Rainbow City, AL 35906 - East Gadsden Branch
711 E Meighan Blvd, Gadsden, AL 35903 - Scottsboro
24661 John T Reid Pkwy, Scottsboro, AL 35768 - Rockmart
101 Felton Dr, Rockmart, GA 30153 - Hiram
342 Charles Hardy Pkwy, Hiram, GA 30141 - Calhoun
1273 Curtis Pkwy Se, Calhoun, GA 30701 - Cartersville West
205 Douthit Ferry Rd, Cartersville, GA 30120 - Administrative Office (main office)
205 Rescia Ave, Rainbow City, AL 35906 - Oxford Branch
162 Industrial Dr, Oxford, AL 36203 - Albertville
7200 Us Highway 431 Ste 350, Albertville, AL 35950 - Cartersville
3 Ryan Blvd Ne, Cartersville, GA 30121 - Rome
2510 Redmond Cir Nw, Rome, GA 30165 - Ft. Payne
1015 Gault Ave S Ste 500, Fort Payne, AL 35967 - Owens Cross Roads
7060 Us 431 South, Owens Cross Roads, AL 35763 - Bentley Bypass
10210 Memorial Pkwy Ne, Huntsville, AL 35810 - Ider
11194 Al Highway 75, Ider, AL 35981 - Valley Head
85 Winston St, Valley Head, AL 35989
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology