BlastPoint's Credit Union Scorecard

FRANKLIN MINT

Charter #20042 · PA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 8 in PA
View Mid-Market leaderboard →

FRANKLIN MINT has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 61.7% in tier
  • + Organic Growth Engine: Top 63.8% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 78.7% in tier
  • - ROA 0.16% below tier average
  • - Efficiency ratio 8.60% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 2.0% in tier
  • - Average Member Relationship (AMR): Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 150,902
+2.8% YoY+0.6% QoQ
 +53.5K 97,431
-2.4% YoY
 17,996
+7.1% YoY
 33,374
+5.7% YoY
 Top 11.6% in tier
Assets $1.9B
+1.9% YoY+2.1% QoQ
 +$191.0M $1.7B
+0.9% YoY
 $296.9M
+12.6% YoY
 $561.6M
+9.7% YoY
 65%
Loans $1.4B
+1.3% YoY+0.2% QoQ
 +$164.3M $1.2B
+0.5% YoY
 $199.3M
+10.4% YoY
 $397.0M
+8.8% YoY
 68%
Deposits $1.7B
+4.1% YoY+1.4% QoQ
 +$265.4M $1.5B
+0.9% YoY
 $254.8M
+12.3% YoY
 $477.3M
+9.7% YoY
 71%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
+733.0% YoY+3.6% QoQ
 -0.2% 0.7%
+20.9% YoY
 0.6%
-8.3% YoY
 0.7%
+15.9% YoY
 33%
NIM 3.0%
+2.6% YoY+0.5% QoQ
 -0.3% 3.3%
+9.2% YoY
 3.5%
+3.8% YoY
 3.8%
+5.1% YoY
 28%
Efficiency Ratio 82.7%
-4.0% YoY+0.8% QoQ
 +8.6% 74.1%
-9.5% YoY
 76.7%
-2.4% YoY
 79.7%
-3.3% YoY
 Top 13.6% in tier
Delinquency Rate 0.8%
-12.0% YoY-1.7% QoQ
 -0.1 0.9%
+6.2% YoY
 1.3%
-10.1% YoY
 1.3%
-2.1% YoY
 50%
Loan To Share 81.1%
-2.7% YoY-1.2% QoQ
 -3.7% 84.8%
-0.8% YoY
 54.3%
-3.4% YoY
 67.4%
-1.7% YoY
 33%
AMR $20,699
+0.0% YoY+0.2% QoQ
 $-9K $29,428
+2.4% YoY
 $16,567
+4.7% YoY
 $19,687
+2.0% YoY
 Bottom 8.9% in tier
CD Concentration 28.6%
-2.5% YoY-2.5% QoQ
 -0.4% 29.0% 15.5% 19.8% 50%
Indirect Auto % 0.0% -18.3% 18.3% 8.1% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#88 of 142 • Top 61.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.76%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth
#158 of 247 • Top 63.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.76%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.52%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#71 of 90 • Bottom 78.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.66%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.46% points
(Tier: 0.12% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 2.76%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank worsening

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 302 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 302 Top 0.0% in 1B-3B tier
35
Total Members
engagement
Value: 150,902
Peer Median: -
#35 of 302 Top 11.3% in 1B-3B tier
35
Members Per Employee (MPE)
engagement
Value: 455.897
Peer Median: -
#35 of 302 Top 11.3% in 1B-3B tier

Top Weaknesses (6 metrics)

297
Net Worth Ratio
risk
Value: 7.84%
Peer Median: -
#297 of 302 Bottom 2.0% in 1B-3B tier
275
Average Member Relationship (AMR)
engagement
Value: $20,699
Peer Median: -
#275 of 302 Bottom 9.3% in 1B-3B tier
268
Loan-to-Member Ratio (LMR)
engagement
Value: $9,269
Peer Median: -
#268 of 302 Bottom 11.6% in 1B-3B tier
262
Efficiency Ratio
profitability
Value: 82.66%
Peer Median: -
#262 of 302 Bottom 13.6% in 1B-3B tier
236
Asset Growth Rate
growth
Value: 1.85%
Peer Median: -
#236 of 302 Bottom 22.2% in 1B-3B tier
230
AMR Growth Rate
growth
Value: 0.05%
Peer Median: -
#230 of 302 Bottom 24.2% in 1B-3B tier
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