Sep, 30, 2025 — FAMILY TRUST FEDERAL CREDIT UNION is a federal credit union headquartered in ROCK HILL, SC with 8 branch locations and about $766.29 million in total assets. Opened 69 years ago in 1957, FAMILY TRUST FEDERAL CREDIT UNION has about 58,210 members and employs 143 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FAMILY TRUST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 225 White St W ROCK HILL, SC 29730-4039 |
| Phone: | (803) 367-4100 |
| Fax: | |
| Website: | https://www.familytrust.org |
| Branches: | 8 branch locations |
| Members: | 58,210 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11554 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $766,294,944 |
| CEO/Manager: | Ryan Harvey |
| Chairperson: | Chris Ruh |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 101,737,477 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 258,917,607 |
| Unsecured Loans | 71,114,591 |
| Other Loans | 263,387,946 |
| TOTAL LOANS | 593,420,144 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -6,891,981 |
| Land And Building | 15,570,835 |
| Other Fixed Assets | 3,556,189 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,876,986 |
| All Other Assets | 80,048 |
| TOTAL ASSETS | 766,294,944 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,411,130 |
| Notes & Interest Payable | 12,500,000 |
| Accounts Payable & Other Liabilities | 10,581,013 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 120,049,788 |
| Regular shares | 141,596,878 |
| All Other Shares & Deposits | 389,562,209 |
| TOTAL SHARES & DEPOSITS | 651,208,876 |
| TOTAL LIABILITIES | 676,713,269 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 89,581,675 |
| TOTAL EQUITY | 89,581,675 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 766,294,944 |
| INCOME & EXPENSE | |
| Loan Income | 27,863,359 |
| Investment Income | 3,806,723 |
| Other Income | 3,567,250 |
| Total Employee Compensation & Benefits | 9,889,273 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 11,557,100 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,973,276 |
| Cost of Funds | 10,436,260 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 6,416,662 |
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