BlastPoint's Credit Union Scorecard
FRANKLIN TRUST
Charter #12 · CT
FRANKLIN TRUST has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.44% above tier average
- + Fee Income Per Member: Top 2.1% in tier
- + Total Members: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Net Charge-Off Rate: Bottom 6.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Connecticut.
- Shares and deposits +5.8% year over year ($63.4M in shares and deposits).
- Membership: 8,899 members, -1.1% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.88%.
- Efficiency ratio 79.04% vs a 88.77% peer average.
- Loan-to-share ratio 52.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,899
-1.1% YoY-0.2% QoQ
|
+6.3K |
2,585
-1.7% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 2.1% in tier |
| Assets |
$70.0M
+6.3% YoY-0.8% QoQ
|
+$39.7M |
$30.3M
+1.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Top 12.5% in tier |
| Loans |
$33.5M
+7.1% YoY+3.1% QoQ
|
+$18.1M |
$15.5M
-1.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Top 14.3% in tier |
| Deposits |
$63.4M
+5.8% YoY-1.2% QoQ
|
+$37.6M |
$25.8M
+1.1% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Top 10.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+25.3% YoY+10.5% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
5.3%
-1.0% YoY+2.0% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
79.0%
-3.7% YoY-2.4% QoQ
|
-9.7% |
88.8%
-6.9% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.9%
-9.4% YoY+47.7% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
52.9%
+1.3% YoY+4.3% QoQ
|
-6.0% |
58.9%
-3.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$10,886
+7.5% YoY+0.4% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
11.1%
+3.9% YoY+5.7% QoQ
|
-13.5% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)