BlastPoint's Credit Union Scorecard
FRANKLIN MINT
Charter #20042 · PA
FRANKLIN MINT has 1 strength but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.0% in tier
- - Efficiency Drag: Bottom 21.9% in tier
- - Membership Headwinds: Bottom 25.9% in tier
- - Institutional Decline: Bottom 27.5% in tier
- - Stagnation Risk: Bottom 30.1% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 7.99% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.6% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149,973
-1.3% YoY+0.8% QoQ
|
+51.3K |
98,678
-1.9% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 13.2% in tier |
| Assets |
$1.9B
+0.9% YoY-2.0% QoQ
|
+$156.3M |
$1.7B
+0.5% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$1.4B
-0.7% YoY+0.7% QoQ
|
+$163.1M |
$1.2B
+0.5% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$1.7B
+4.0% YoY-1.1% QoQ
|
+$247.3M |
$1.5B
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.5%
-2511.8% YoY+252.8% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.0%
+2.0% YoY+2.3% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
82.0%
-2.0% YoY-5.2% QoQ
|
+8.0% |
74.0%
-10.9% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.8%
+11.8% YoY+3.8% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
82.1%
-4.5% YoY+1.8% QoQ
|
-3.1% |
85.2%
-0.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$20,656
+3.1% YoY-1.1% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
29.3%
-2.6% YoY+4.5% QoQ
|
+0.4% |
29.0%
+0.7% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
53% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)