FRANKLIN-SOMERSET

Charter #15159 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

FRANKLIN-SOMERSET has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.3% in tier
  • + Wallet Share Momentum: Top 26.8% in tier
  • + Organic Growth Engine: Top 26.9% in tier
  • + Relationship Depth Leader: Top 29.0% in tier
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 6.2% in tier
  • - Liquidity Overhang: Bottom 15.2% in tier
  • - Credit Quality Pressure: Bottom 25.8% in tier
  • - Growth-at-Risk: Bottom 27.1% in tier
  • - Indirect Auto Concentration (%): Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 10,156
+1.0% YoY+0.0% QoQ
 -5.5K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 31st in tier
Assets $142.2M
+4.6% YoY+1.4% QoQ
 $-89.1M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 27th in tier
Loans $65.9M
+3.6% YoY-0.2% QoQ
 $-81.9M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Bottom 12.7% in tier
Deposits $123.4M
+4.0% YoY+1.5% QoQ
 $-76.9M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 1.1%
-0.2% YoY+0.9% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 3.9%
+0.9% YoY-0.8% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 72.3%
-0.3% YoY-0.2% QoQ
 -4.9% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 32nd in tier
Delinquency Rate 0.6%
+5.6% YoY-1.3% QoQ
 -0.2 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 53.4%
-0.3% YoY-1.6% QoQ
 -19.3% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Bottom 13.3% in tier
AMR $18,636
+2.9% YoY+0.9% QoQ
 $-6K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 21.4%
+9.2% YoY+7.5% QoQ
 -3.0% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 43.8%
+13.0% YoY+2.6% QoQ
 +29.9% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#176 of 627 • Top 9.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.10%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Wallet Share Momentum

growth
#738 of 1006 • Top 26.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.88%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#493 of 603 • Top 26.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.95%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.10%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 43.82%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth
#801 of 1006 • Top 29.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.88%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#100 of 525 • Bottom 6.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.56%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 43.82%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.95%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#236 of 552 • Bottom 15.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.78%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 53.44%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Credit Quality Pressure

risk
#638 of 736 • Bottom 25.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#407 of 446 • Bottom 27.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.63%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

1010
Indirect Auto Concentration (%)
balance_sheet
Value: 43.82%
Peer Avg: 13.34%
#1010 of 1077 Bottom 6.3% in 100M-500M tier
940
Total Loans
balance_sheet
Value: $65.91M
Peer Avg: $147.80M
#940 of 1077 Bottom 12.8% in 100M-500M tier
934
Loan-to-Share Ratio
balance_sheet
Value: 53.44%
Peer Avg: 72.70%
#934 of 1077 Bottom 13.4% in 100M-500M tier
883
Loan-to-Member Ratio (LMR)
engagement
Value: $6,490
Peer Avg: $10,245
#883 of 1077 Bottom 18.1% in 100M-500M tier
844
Fee Income Per Member
profitability
Value: $113.73
Peer Avg: $174.31
#844 of 1077 Bottom 21.7% in 100M-500M tier