BlastPoint's Credit Union Scorecard
FRANKLIN TRUST
Charter #12 · CT
FRANKLIN TRUST has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Interest Margin 1.22% above tier average
- + Fee Income Per Member: Top 2.0% in tier
- + Total Members: Top 2.1% in tier
- + Total Deposits: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,916
-0.6% YoY+0.1% QoQ
|
+6.2K |
2,676
+1.6% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Top 2.2% in tier |
| Assets |
$70.6M
+7.4% YoY+5.0% QoQ
|
+$40.4M |
$30.2M
+1.3% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Top 11.9% in tier |
| Loans |
$32.5M
+3.9% YoY-3.1% QoQ
|
+$17.2M |
$15.3M
-2.0% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Top 14.8% in tier |
| Deposits |
$64.1M
+7.2% YoY+4.9% QoQ
|
+$38.4M |
$25.8M
+0.7% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Top 9.8% in tier |
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| ROA |
0.8%
-34.2% YoY+68.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
5.2%
-6.3% YoY-3.0% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
81.0%
-0.3% YoY+1.3% QoQ
|
-9.6% |
90.6%
+6.5% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.6%
-8.2% YoY-38.2% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
50.7%
-3.1% YoY-7.6% QoQ
|
-7.8% |
58.5%
-3.0% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$10,841
+6.6% YoY+2.0% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
10.5%
+7.7% YoY-2.2% QoQ
|
-13.8% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 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)