Sep, 30, 2025 — THE FAMILY FIRST FEDERAL CREDIT UNION is a federal credit union headquartered in GREAT FALLS, MT with 1 branch location and about $17.23 million in total assets. Opened 70 years ago in 1956, THE FAMILY FIRST FEDERAL CREDIT UNION has about 1,716 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | THE FAMILY FIRST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2901 11th Ave s GREAT FALLS, MT 59405-5301 |
| Phone: | (406) 727-7575 |
| Fax: | (406) 727-0052 |
| Website: | https://www.familyfirstfcu.org |
| Branches: | 1 branch locations |
| Members: | 1,716 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11364 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Apr 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $17,232,073 |
| CEO/Manager: | Kyeanna Scharberg |
| Chairperson: | Scott S Smith |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,143,137 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 750,475 |
| Unsecured Loans | 579,060 |
| Other Loans | 7,728,359 |
| TOTAL LOANS | 9,057,894 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -155,766 |
| Land And Building | 293,681 |
| Other Fixed Assets | 58,964 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 157,983 |
| All Other Assets | 8,607 |
| TOTAL ASSETS | 17,232,073 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 45 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -31,858 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,898,777 |
| Regular shares | 9,249,140 |
| All Other Shares & Deposits | 1,158,111 |
| TOTAL SHARES & DEPOSITS | 15,306,028 |
| TOTAL LIABILITIES | 15,274,215 |
| Regular Reserve | 0 |
| Other Reserves | 334,928 |
| Undivided Earnings | 1,622,930 |
| TOTAL EQUITY | 1,957,858 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 17,232,073 |
| INCOME & EXPENSE | |
| Loan Income | 416,530 |
| Investment Income | 217,529 |
| Other Income | 87,930 |
| Total Employee Compensation & Benefits | 173,937 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 297,524 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 104,715 |
| Cost of Funds | 4,036 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 217,856 |
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