Sep, 30, 2025 — FAMILY FIRST CREDIT UNION is a federally insured state chartered credit union headquartered in HAPEVILLE, GA with 3 branch locations and about $133.61 million in total assets. Opened 96 years ago in 1930, FAMILY FIRST CREDIT UNION has about 10,646 members and employs 37 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 FIRST CREDIT UNION |
|---|---|
| Address: (Main Office) | 3604 Atlanta Ave HAPEVILLE, GA 30354 |
| Phone: | (404) 768-4980 |
| Fax: | (404) 768-5496 |
| Website: | https://www.ffcuga.org |
| Branches: | 3 branch locations |
| Members: | 10,646 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61831 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1930 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $133,607,853 |
| CEO/Manager: | Stephen P Smith |
| Chairperson: | Brenda Bridge-Ward |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,666,459 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 39,436,894 |
| Unsecured Loans | 5,732,829 |
| Other Loans | 39,033,055 |
| TOTAL LOANS | 84,866,614 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -755,090 |
| Land And Building | 3,343,311 |
| Other Fixed Assets | 145,345 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,069,760 |
| All Other Assets | 0 |
| TOTAL ASSETS | 133,607,853 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 27,553 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,308,707 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 21,273,445 |
| Regular shares | 56,923,833 |
| All Other Shares & Deposits | 37,127,290 |
| TOTAL SHARES & DEPOSITS | 115,324,568 |
| TOTAL LIABILITIES | 116,660,828 |
| Regular Reserve | 0 |
| Other Reserves | 511,497 |
| Undivided Earnings | 16,435,528 |
| TOTAL EQUITY | 16,947,025 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 133,607,853 |
| INCOME & EXPENSE | |
| Loan Income | 4,097,737 |
| Investment Income | 726,830 |
| Other Income | 688,339 |
| Total Employee Compensation & Benefits | 2,488,917 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,470,541 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 331,284 |
| Cost of Funds | 1,097,304 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 200,602 |
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