FAMILY FIRST
State-Chartered • SAGINAW, Michigan • Est. 1939
Quick Facts
- Charter Number
- #61909
- Type
- State-Chartered
- Established
- 1939
- Headquarters
- SAGINAW, Michigan 48602-4326
- Address
- 1011 N MICHIGAN AVE
- Branches
- 4
- ATMs
- 3
- Members
- 5,386
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
5,386 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FAMILY FIRST |
|---|---|
| Total Assets | $100.1M |
| Members | 5,386 |
| Loans Outstanding | $47.2M |
| Shares & Deposits | $91.4M |
| Net Worth | $9.5M |
| Net Worth Ratio | 9.53% |
| Loan-to-Share Ratio | 51.6% |
| Delinquency Rate | 2.68% |
| Net Income | +$1,340,617 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Saginaw Office
Main Office1011 N Michigan Ave
Saginaw, MI 48602-4326
Freeland Office
6900 Midland Rd
Freeland, MI 48623-8759
Kochville Office
3550 Tittabawassee Rd
Saginaw, MI 48604-9428
Valera Shared Service Centers
615 Channelside Dr Ste 204
Tampa, FL 33602-5406
Who Can Join FAMILY FIRST?
Membership Type: Community
Membership eligibility for FAMILY FIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact FAMILY FIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. FAMILY FIRST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FAMILY FIRST has 5,386 members and a potential membership field of 782,634 people.
FAMILY FIRST's net worth ratio is 9.53% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.5%, FAMILY FIRST meets this threshold.
FAMILY FIRST operates 4 branch locations and has access to 3 ATMs. The main office is located at 1011 N Michigan Ave, Saginaw, MI 48602-4326.
FAMILY FIRST was established in 1939. It is a state-chartered credit union chartered under charter number 61909. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FAMILY FIRST. All financial data is for informational purposes only.