BlastPoint's Credit Union Scorecard
FRANKLIN FIRST
Charter #12604 · MA
FRANKLIN FIRST has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.8% in tier
- + Total Members: Top 4.7% in tier
- + Total Assets: Top 5.2% in tier
- + Total Loans: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,339
+0.4% YoY-0.8% QoQ
|
+4.7K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Top 4.8% in tier |
| Assets |
$86.5M
-0.4% YoY+2.8% QoQ
|
+$56.3M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.2% in tier |
| Loans |
$48.6M
+6.3% YoY+1.5% QoQ
|
+$32.9M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 6.3% in tier |
| Deposits |
$77.9M
-1.9% YoY+2.5% QoQ
|
+$52.3M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 3.8% in tier |
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| ROA |
0.9%
+79.1% YoY+3.8% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.3%
+19.3% YoY+0.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
76.8%
-7.8% YoY-1.1% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.8%
-4.1% YoY+1.0% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
62.4%
+8.4% YoY-0.9% QoQ
|
+1.8% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$17,248
+0.7% YoY+2.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
14.6%
-16.0% YoY+1.3% QoQ
|
-9.9% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)