BlastPoint's Credit Union Scorecard
FRANKLIN TRUST
Charter #12 · CT
FRANKLIN TRUST has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.3% in tier
- + Total Members: Top 2.4% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 8.8% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Charge-Off Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,911
-1.4% YoY-0.7% QoQ
|
+6.3K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 2.4% in tier |
| Assets |
$67.2M
+11.0% YoY+3.4% QoQ
|
+$37.1M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Top 14.0% in tier |
| Loans |
$33.6M
+4.8% YoY+7.2% QoQ
|
+$17.8M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Top 14.8% in tier |
| Deposits |
$61.1M
+10.6% YoY+3.6% QoQ
|
+$35.5M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 11.6% in tier |
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| ROA |
0.5%
-18.5% YoY+0.5% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
5.4%
+4.5% YoY+0.1% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
80.0%
-5.7% YoY-2.1% QoQ
|
-2.6% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
1.0%
+12.1% YoY-3.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
54.9%
-5.2% YoY+3.5% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$10,628
+10.0% YoY+5.6% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
10.7%
+29.8% YoY-2.4% QoQ
|
-13.7% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)