BlastPoint's Credit Union Scorecard

FRANKLIN FIRST

Charter #12604 ยท MA

2596 CUs in <100M nationally 68 in MA

FRANKLIN FIRST has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.33% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Deposits: Top 4.3% in tier
  • + Total Members: Top 4.9% in tier
  • + Total Assets: Top 6.0% in tier
  • + Total Loans: Top 6.3% in tier

Key Concerns

Areas that may need attention

  • - Net Worth Ratio: Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 7,398
+0.2% YoY+0.6% QoQ
+4.8K 2,625
-2.2% YoY
27,447
+2.6% YoY
33,089
+6.1% YoY
Top 4.9% in tier
Assets $84.1M
-1.0% YoY-0.9% QoQ
+$54.2M $29.9M
+1.1% YoY
$440.2M
+4.2% YoY
$547.7M
+7.8% YoY
Top 6.0% in tier
Loans $47.9M
+3.3% YoY+2.6% QoQ
+$32.1M $15.8M
-2.4% YoY
$341.2M
+2.4% YoY
$388.7M
+8.6% YoY
Top 6.4% in tier
Deposits $76.1M
-2.5% YoY-0.9% QoQ
+$50.6M $25.5M
+0.4% YoY
$366.8M
+5.5% YoY
$464.6M
+9.3% YoY
Top 4.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+111.7% YoY+11.3% QoQ
+0.2% 0.7%
-731.4% YoY
0.7%
+17.3% YoY
0.7%
+273.4% YoY
56%
NIM 4.3%
+20.3% YoY+4.7% QoQ
+0.3% 3.9%
+3.8% YoY
3.3%
+3.8% YoY
3.7%
+5.0% YoY
65%
Efficiency Ratio 77.6%
-8.0% YoY-1.6% QoQ
-3.8% 81.4%
-2.4% YoY
80.4%
-4.7% YoY
79.1%
-3.3% YoY
48%
Delinquency Rate 0.7%
+46.4% YoY+149.4% QoQ
-0.8 1.5%
-2.0% YoY
0.9%
-6.0% YoY
1.2%
-0.9% YoY
53%
Loan To Share 63.0%
+6.0% YoY+3.6% QoQ
+1.7% 61.2%
-3.0% YoY
74.2%
-1.7% YoY
68.0%
-1.7% YoY
52%
AMR $16,760
-0.6% YoY-0.2% QoQ
+$2K $14,627
-2.7% YoY
$24,707
+3.7% YoY
$19,418
+1.3% YoY
66%
CD Concentration 14.4%
-17.1% YoY+11.8% QoQ
-10.0% 24.4%
+4.2% YoY
24.8%
+8.8% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
2.6%
-15.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
112
Total Deposits
balance_sheet
Value: $76.08M
Peer Avg: -
#112 of 2596 Top 4.3% in <100M tier
127
Total Members
engagement
Value: 7,398
Peer Avg: -
#127 of 2596 Top 4.9% in <100M tier
156
Total Assets
balance_sheet
Value: $84.10M
Peer Avg: -
#156 of 2596 Top 6.0% in <100M tier
165
Total Loans
balance_sheet
Value: $47.90M
Peer Avg: -
#165 of 2596 Top 6.3% in <100M tier

Top Weaknesses (1 metrics)

2425
Net Worth Ratio
risk
Value: 8.48%
Peer Avg: -
#2425 of 2596 Bottom 6.6% in <100M tier
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