BlastPoint's Credit Union Scorecard
FRANKLIN TRUST
Charter #12 · CT
FRANKLIN TRUST has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.3% in tier
- + Fee Income Per Member: Top 2.6% in tier
- + Asset Growth Rate: Top 7.2% in tier
- + Deposit Growth Rate: Top 8.5% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 0.31% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,972
-1.0% YoY-0.3% QoQ
|
+6.3K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Top 2.4% in tier |
| Assets |
$65.0M
+10.7% YoY-1.2% QoQ
|
+$35.1M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.4% in tier |
| Loans |
$31.3M
+8.3% YoY+0.0% QoQ
|
+$15.5M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$59.0M
+10.2% YoY-1.4% QoQ
|
+$33.6M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Top 12.4% in tier |
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| ROA |
0.5%
+26.5% YoY-33.2% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
5.4%
+7.9% YoY+0.0% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 8.6% in tier |
| Efficiency Ratio |
81.7%
-5.9% YoY-0.5% QoQ
|
+0.3% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.0%
+6.3% YoY+2.5% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
53.0%
-1.7% YoY+1.5% QoQ
|
-8.2% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$10,067
+10.6% YoY-0.6% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
11.0%
+61.4% YoY+3.0% QoQ
|
-13.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)