FAMILY FIRST Credit Union Profile

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FAMILY FIRST

Charter #61909 | NCUA Region 1 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 759-1686

Fax: (989) 752-4992

Founding Date: N/A

Website: http://www.fam1st.com

Personnel & Operations

President: Patterson, Maurice

Manager: Smith, Janie

FT Employees: 23

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: MONDAY, WEDNESDAY, THURSDAY: 9:00 A.M. TO 5

Credit Union Profile Summary

FAMILY FIRST is a FISCU Credit Union. With a total of 5,472 members [1], this institution manages approximately $104,357,682 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.91% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -9.57% [1].

Financial Snapshot

Total Assets [1]
$104,357,682

Total economic resources.

Total Loans [1]
$45,907,627

Total value of outstanding loans.

Total Deposits [1]
$95,735,306

Total funds deposited by members.

Members [1]
5,472

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.91%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.32%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
47.95%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.56%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -9.57%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.77%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1011 N MICHIGAN AVE

SAGINAW, MI, 48602-4326
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by FAMILY FIRST (Charter #61909).

Main Office

Saginaw Office Main Office

Type: Corporate Office

1011 N Michigan Ave

Saginaw, MI 48602-4326

Phone: (989) 759-1686

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Freeland

Freeland Office

Type: Branch Office

6900 Midland Rd

Freeland, MI 48623-8759

Phone: (989) 695-5144

Services: Member Services, ATM, Drive-Thru

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Saginaw

Kochville Office

Type: Branch Office

3550 Tittabawassee Rd

Saginaw, MI 48604-9428

Phone: (989) 746-7100

Services: Member Services, ATM, Drive-Thru

Open in Directions